🎄 Holiday Hours Reminder:
Christmas Eve: 8:30 AM–12 PM · Christmas Day: Closed · New Year’s Eve: 8:30 AM–5 PM · New Year’s Day: Closed. We will operate under normal business hours for the rest of 2025 unless otherwise noted. Thank you for banking with Nantahala Bank & Trust, and we wish you a safe and joyful holiday season!
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Your savings account is for more than just a rainy day. It’s your future. You want to feel confident, knowing that your money is safe no matter what the forecast. We understand that, and have created a wide variety of savings accounts for you to choose from.
Select the products below to compare.
| Statement Savings | Super Savings | Personal Money Market | Christmas Club | Junior Savings | Certificate of Deposit | |
|---|---|---|---|---|---|---|
| Description | Earn a competitive interest rate while enjoying convenient access for unexpected expenses or purchases. |
This “super” savings account pays premium interest on daily balances. |
A combination of convenience and return for customers who plan on maintaining a higher balance with immediate access to funds. |
Make contributions throughout the year and receive your savings balance via check issued on last banking day in October. |
Available to minors under the age of 18 along with a parent or guardian. |
Lock in a competitive interest rate for periods from 3 to 60 months. Call for rates. |
| Additional Details |
|
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|
|
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N/A |
| Minimum to Open | $100 | $500 | $1,000 | $0 | $0 | $500 |
| Interest Bearing | Yes | Yes | Yes | Yes | Yes | Yes |
| Minimum Balance Fee | $5 | $10 | $10 | None | None | None |
| Balance to Avoid Minimum Balance Fee | $100 | $500 | $1,000 | $0 | $0 | Penalty for Early Withdrawal |
| Withdrawals Allowed | 6 Per Month | 3 Per Month | 6 Per Statement cycle; $5 for each additional | 1 Per Year | 6 Per Month | Penalty for Early Withdrawal |
| Excessive Transaction Fee (per item) | $2 | $10 | $5 | $10 | $2 |
| Statement Savings | |
|---|---|
| Description | Earn a competitive interest rate while enjoying convenient access for unexpected expenses or purchases. |
| Additional Features |
|
| Minimum to Open | $100 |
| Interest Bearing | Yes |
| Minimum Balance Fee | $5 |
| Balance to Avoid Minimum Balance Fee | $100 |
| Withdrawals Allowed | 6 Per Month |
| Excessive Transaction Fee (per item) | $2 |
| Super Savings | |
| Description | This “super” savings account pays premium interest on daily balances. |
| Additional Features |
|
| Minimum to Open | $500 |
| Interest Bearing | Yes |
| Minimum Balance Fee | $10 |
| Balance to Avoid Minimum Balance Fee | $500 |
| Withdrawals Allowed | 3 Per Month |
| Excessive Transaction Fee (per item) | $10 |
| Personal Money Market | |
| Description | A combination of convenience and return for customers who plan on maintaining a higher balance with immediate access to funds. |
| Additional Features |
|
| Minimum to Open | $1,000 |
| Interest Bearing | Yes |
| Minimum Balance Fee | $10 |
| Balance to Avoid Minimum Balance Fee | $1,000 |
| Withdrawals Allowed | 6 Per Statement cycle; $5 for each additional |
| Excessive Transaction Fee (per item) | $5 |
| Christmas Club | |
| Description | Make contributions throughout the year and receive your savings balance via check issued on last banking day in October. |
| Additional Features |
|
| Minimum to Open | $0 |
| Interest Bearing | Yes |
| Minimum Balance Fee | None |
| Balance to Avoid Minimum Balance Fee | $0 |
| Withdrawals Allowed | 1 Per Year |
| Excessive Transaction Fee (per item) | $10 |
| Junior Savings | |
| Description | Available to minors under the age of 18 along with a parent or guardian. |
| Additional Features |
|
| Minimum to Open | $0 |
| Interest Bearing | Yes |
| Minimum Balance Fee | None |
| Balance to Avoid Minimum Balance Fee | $0 |
| Withdrawals Allowed | 6 Per Month |
| Excessive Transaction Fee (per item) | $2 |
| Certificate of Deposit | |
| Description | Lock in a competitive interest rate for periods from 3 to 60 months. Call for rates. |
| Additional Features | N/A |
| Minimum to Open | $500 |
| Interest Bearing | Yes |
| Minimum Balance Fee | None |
| Balance to Avoid Minimum Balance Fee | Penalty for Early Withdrawal |
| Withdrawals Allowed | Penalty for Early Withdrawal |
| Excessive Transaction Fee (per item) |
*Message and Data Rates May Apply
Earn competitive interest rate while enjoying convenient access for unexpected expenses or purchases.
This special savings account pays premium interest on daily balances.
Offering the higher returns of tiered money market interest rates, this account also gives you the flexibility and convenience of a checking account.
A Christmas Club Account at Nantahala Bank comes with no minimum daily balance and a higher rate of interest. A Christmas Club account is a great savings tool! You will receive your savings balance via check issued on the last banking day in October, just in time for holiday shopping. Pair your Christmas Club with payroll deduction, and we’ll make deposits into the account automatically from your direct deposit. It’s an easy way to save for the busy holiday season.
The perfect account for a beginner or experienced saver under the age of 18 years old. This account will automatically transition into a statement savings once the minor turns 18!
Our CDs are available in a variety of terms, all with affordable minimum balances. Whether you have short or long-term investment goals, we have a CD to help you achieve them.