PERSONAL SAVINGS ACCOUNTS
Savings Accounts Certificates of Deposit
IRAs -- Individual Retirment Accounts
HSAs -- Health Savings Accounts
ESAs -- Coverdell Education Savings Accounts
Community Bank of San Joaquin offers a variety of savings and certificate accounts designed to fit into your overall financial strategy. And, if you wish the benefits of a Retirement Plan, Education Savings Account or Health Savings Account, any of our certificates of deposit and our statement savings account can be part of an IRA, ESA, or HSA investment. Get Started Now!
Savings Accounts
§ Statement Savings: Our Statement Savings accounts offer you flexibility and convenience. These interest bearing, no-term accounts are ideal for setting aside some extra funds each month. You can create your own savings plan by establishing an automatic transfer from your checking or
other account to your savings account. Or, you may prefer the peace of mind of just having the account available anytime you need to access it. You can confirm your balances and activities through periodic statements, Telephone Banking, e-Banking, or the ATM. This is a great account to open for young savers who are just starting to "put money in the bank".
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TOP § Holiday Club Account: Holidays often bring that desire to have some extra spending money. Now you can set aside an amount each month through an automatic transfer, and shortly after November 1 each year, receive your check for the balance you
have accumulated. A monthly automatic transfer is required to maintain this account. You will receive statements each month so you can watch your savings grow.
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TOP Certificates of Deposit
Community Bank of San Joaquin offers Certificates of Deposit (CDs) that earn competitive rates of interest and are available in a variety of terms. You choose the term that best meets your needs. By locking in the term, you earn a higher rate of interest than our other savings accounts. With a 10 day grace period (except for the 7-30 day account), you have ample time to revise your investment strategy each time your account matures. We send the accountholder a maturity notice
approximately two weeks before the maturity date of the account. Select CDs allow additional deposits without extending the term.
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TOP IRAs -- Individual Retirement Accounts
Community Bank of San Joaquin offers risk-free means of investing your retirement funds. We have a variety of Retirement Plans available for today's investor. Traditional IRAs (Individual Retirement Accounts), Roth IRAs, Simplified Employee Pension plans (SEPs), and Education Savings Accounts (ESAs) are all options open to you. So, no matter what your retirement savings requirements, we can meet
your needs with a variety of terms, competitive interest rates and the comfort and safety of FDIC insurance.
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HSAs -- Health Savings Accounts
The Medicare Prescription Drug, Improvement, and Modernization Act signed by President Bush in late 2003 introduced the Health Savings Account. Community Bank of San Joaquin was the first and only local bank to offer HSAs when the IRS defined this account in April 2004. HSAs are specifically for individuals and families with high deductible health plans (HDHPs) and are designed to help manage health and medical
expenses.
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TOP ESAs -- Coverdell Education Savings Accounts
A Coverdell Education
Savings Account (ESA) is a savings account created as an incentive to help parents and students save for education expenses. You can choose from any of our CDs or statement savings.
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TOP Savings Plans | Checking Accounts | Loan Programs
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