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Savings, Money Market Accounts, CD & IRA Accounts

Whether you’re saving up for your first car or looking for solid investments to grow your retirement nest egg, Entegra Bank has the right savings plan for you.

All of our savings accounts offer free online banking, free mobile banking and free eStatements. Your account can also be accessed through any ATM that recognizes STAR®, Cirrus® or Plus® cards.*

*Charges may apply for non-Entegra Bank ATM transactions.

Statement Savings Account

  • Earn competitive tiered interest rates on a daily balance of $100 or more
  • No limit on the number of over-the-counter deposits or withdrawals
  • Interest will be credited quarterly
  • Federal regulations limit (i) third party transactions (e.g., checks, drafts and debit card purchases); (ii) pre-authorized or automated transfers (including ACH and overdraft protection transfers); (iii) transfers made by personal computer (including online banking or bill payment services); and (iv) telephone transfers (including facsimile or data transmission) from your account to six per month. You may make unlimited withdrawals or transfers in person, by mail, or through an ATM. Continued third party transactions or preauthorized transfers, over the regulatory limit, will result in the savings account being closed or converted to a checking account

How to Qualify for Statement Savings:

  • Minimum opening deposit of $100 or more
  • A monthly maintenance fee of $5 will be charged if the daily balance falls below $300.

Minor Savings Account

  • No minimum balance requirement
  • No monthly maintenance fee
  • Federal regulations limit (i) third party transactions (e.g., checks, drafts and debit card purchases); (ii) pre-authorized or automated transfers (including ACH and overdraft protection transfers); (iii) transfers made by personal computer (including online banking or bill payment services); and (iv) telephone transfers (including facsimile or data transmission) from your account to six per month. You may make unlimited withdrawals or transfers in person, by mail, or through an ATM. Continued third party transactions or preauthorized transfers, over the regulatory limit, will result in the savings account being closed or converted to a checking account.

How to Qualify for Minor Savings Account:

  • Must be under 18 years of age
  • Open with initial deposit of $10 or more

Stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.


Money Market Maximizer

  • Earn competitive tiered interest rates on daily balances of $1,000 or more
  • A monthly statement to provide information on account activity and interest earned
  • Easy access to your funds with limited checking privileges
  • No limit on the number of over-the-counter deposits or withdrawals
  • Federal regulations limit (i) third party transactions (e.g., checks, drafts and debit card purchases); (ii) pre-authorized or automated transfers (including ACH and overdraft protection transfers); (iii) transfers made by personal computer (including online banking or bill payment services); and (iv) telephone transfers (including facsimile or data transmission) from your account to six per month. You may make unlimited withdrawals or transfers in person, by mail, or through an ATM. There is a per item charge, which is disclosed under each account type, for transfers or withdrawals over certain limits. Continued third party transactions or preauthorized transfers, over the regulatory limit, will result in the money market account being closed or converted to a checking account.

How to Qualify for Money Market:

  • Minimum opening deposit of $1,000
  • A monthly maintenance fee of $5 will be charged if the daily balance falls below $1,000.

Stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.


Health Savings Account

An Entegra Bank Health Savings Account (HSA) gives you more control over your healthcare costs. A Health Savings Account is designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis. A Health Savings Account has a tax favored status - meaning what you contribute is either pre-tax or tax deductible. Using this money for qualified medical expenses is tax-free.

Combined with High Deductible Health Plan (HDHP), a Health Savings Account offers a more affordable approach to healthcare. A Health Savings Account is your account. If you switch jobs, the HSA account goes with you. Your money rolls over every year. There is no ‘use it or lose it’ requirement.

One of the main things to remember about Health Savings Accounts is that you must have a qualified High Deductible Health Plan (HDHP) to open an HSA. Contact your insurance carrier to verify that your High Deductible Health Plan qualifies for an HSA.

  • No monthly maintenance fees
  • No per transaction charges
  • Free ATM/VISA® debit card
  • No minimum balance requirement
  • Interest on daily balances over $1,000
  • Free eStatements
  • Set up charge $25.00

How to Qualify for Health Savings:

  • Must have a high deductible health plan

Stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.


CD & IRA Accounts

Grow your money without the risk. Our Certificates of Deposit (CD) and Individual Retirement Accounts (IRA) help you avoid volatility and locks you into a guaranteed rate. With no charges to open or maintain an account, your money works harder for you.

Additional Information:

  • Interest begins to accrue on the day the account is processed. Your application will be processed at the interest rate in effect on the day your application is submitted.
  • When your CD matures, you have a grace period of 10 calendar days to renew or close the account. We will send you a maturity notice before renewal.
  • Charges could reduce the earnings on your account.
  • A penalty may be imposed for early withdrawals.

Current IRA Terms Available - 6 month, 12 month, 24 month, 36 month, 48 month and 72 month.

Current CD Terms Available - 3 month, 6 month, 11 month, 12 month, 24 month, 36 month, 48 month, 60 month and 72 month.

Other CD products are available; stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.