Savings Accounts

Our savings products provide a secure way to save for long-term and short-term goals while earning interest at competitive rates. We can even set up an automatic transfer from your checking account to make saving money even easier. Visit one of our banking offices or contact a private banker to find the savings product that best fits your needs.

Intelligent Money Market

An elite account that provides complete liquidity and is tiered to reward larger investments.

Benefits

  • Higher yielding variable interest rate earned monthly
  • Free standard checks
  • Free Online Banking with Bill Pay
  • Free imaged monthly bank statements and checks

Quick Facts

  • $1,500 minimum deposit to open
  • $10 monthly maintenance fee if average daily balance falls below $2,500
  • Monthly maintenance fee waived with combined average ledger balances in all non-time deposit accounts of $15,000 or more
  • Withdrawals and transfers limited to six per month*

Regular Money Market

A multi-tiered savings account that pays competitive interest rates.

Benefits

  • Higher yielding variable interest rate earned monthly
  • Free standard checks
  • Free Online Banking with Bill Pay
  • Free imaged monthly bank statements and checks

Quick Facts

  • $500 minimum deposit to open
  • $5 monthly maintenance fee if average daily balance falls below $1,500
  • Monthly maintenance fee waived with combined average ledger balances in all non-time deposit accounts of $15,000 or more
  • Withdrawals and transfers limited to six per month*

Insured Cash Sweep (ICS)

This new savings product provides access to multi-million dollar FDIC insurance protection on deposits.

Benefits

  • Enjoy peace of mind knowing your funds are protected by the federal government
  • Earn interest by putting excess cash balances to work in a money market deposit account
  • Get quick access to your online account to monitor and manage your funds
  • Save time by working with just one bank that you know and trust

Quick Facts

  • Higher balance required to open
  • Unlimited deposit capability
  • Withdrawals limited to six per month

Placement of funds through the ICS service is subject to the terms, conditions and disclosures set forth in the agreements that you enter with Bank of Central Florida, including the ICS Deposit Placement Agreement. Limits and customer eligibility criteria apply. Program offered through Promontory Interfinancial Network, LLC.

Intelligent Savings

This interest bearing account provides added value to your banking relationship.

Benefits

  • Variable interest rate earned monthly
  • Higher yield account
  • Free Online Banking
  • Free imaged quarterly bank statements

Quick Facts

  • $500 minimum deposit to open
  • $10 monthly maintenance fee if average daily balance falls below $2,500
  • Monthly maintenance fee waived with combined average ledger balances in all non-time deposit accounts of $15,000 or more
  • Withdrawals and transfers limited to six per month*

Regular Savings

This account can help you get your savings program started and requires only a low minimum deposit to open.

Benefits

  • Variable interest rate earned monthly
  • Free Online Banking
  • Free imaged quarterly bank statements

Quick Facts

  • $100 minimum deposit to open
  • $5 monthly maintenance fee if average daily balance falls below $500
  • Monthly maintenance fee waived with combined average ledger balances in all non-time deposit accounts of $15,000 or more
  • Withdrawals and transfers limited to six per month*

Minor Savings

This youth account is designed for the youngest savers in the family (under the age of 18).

Benefits

  • Variable interest rate on entire balance earned monthly
  • Free imaged quarterly bank statements

Quick Facts

  • $50 minimum deposit to open
  • No monthly maintenance fee
  • Withdrawals and transfers limited to six per month*

*You may make unlimited withdrawals or transfers from your account if made by mail, messenger, ATM, in person or by telephone (telephone withdrawals/transfers require signed form by mail).