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Personal Checking
Enjoy the benefits of Castle Rock Bank's personal checking account, free for the first year.
- Initial deposit: $100.
- Minimum balance: $0.00 for the first year, $500.00 thereafter
- Maintenance fee: $0.00 for the first year $5.00 per statement cycle if balance falls below $500 thereafter
- Unlimited check writing
- Free ATM access Card
- Debit Card and Overdraft Protection Line of Credit for qualified applicants with a $12.00 annual fee
.....
Go To The Personal Checking Page
Free Student Checking
Our free student checking account is perfect for the young adult who just got their first job or for your college student who needs to have ready access to their money for books and expenses.
- Student must be at least 16 years of age.
- Student must be actively enrolled in school carrying at least 12 Credit Hours
- Account must have parental signature if student is a minor
- Account has an Annual Renewal
- Initial Deposit: $100.00
- Minimum Balance Required: $0.00
- Maintenance Fee: $0.00
- ATM Access Card: FREE
- Debit Card and Ready Reserve available for qualified applicants with a $12 annual fee
..... Go To The Free Student Checking Page
Personal NOW Checking
Why not put your money to work for you in an interest bearing Personal NOW account from Castle Rock Bank?
- Initial Deposit: $100.00
- Minimum Balance: $800.00
- Maintenance Fee: $7.00 if balance falls below $800.00
- Competitive NOW interest rate. Call the bank for current rate.
- Minimum Balance for Interest: $0.00
- Unlimited Check Writing
- Free ATM access card
- Debit Card and Overdraft Protection Line of Credit available for qualified applicants with a $12.00 annual fee
..... Go To The Personal Now Checking Page
Senior Checking
Our senior checking account is perfect for customers who are 60 years of age or older. This account offers all of the benefits of Personal NOW Account plus added special benefits
- Initial Deposit: $1.00
- Minimum Balance: $0.00
- Maintenance Fee: $0.00
- Competitive NOW interest rate. Call the bank for current rate.
- Minimum Balance for Interest: $0.00
- Free duplicate or wallet style checks
- Unlimited Check Writing
- ATM access card
- Debit card and Overdraft Protection Line of Credit for Qualified Applicants with a $12.00 annual fee
Plus:
- Free Travelers Checks
- Free Cashier Checks
- 50 percent discount on Safe Deposit Box Rental
..... Go To The Senior Checking Page
Personal Money Market Account
With a competitive interest rate, a Castle Rock Bank Personal Money Market Deposit Account is the perfect way to gain easy access to your savings.
- Initial Deposit: $1,000.00
- Minimum Balance: $1,000.00
- Maintenance Fee: $10.00 if the balance falls below $1,000.00
- Check Writing Fee (3 per month): FREE
- Competitive tiered MMDA Rates: Call the bank for current rates.
- Minimum Balance for Interest: $1,000.00
- Free ATM access card
..... Go To The Personal Money Market Account Page
Rock Solid Personal Money Market Account
Offering a premium rate of interest, a Castle Rock Bank Rock Solid Money Market Deposit Account is the solid foundation for your financial portfolio.
- Initial Deposit: $25,000.00
- Minimum Balance: $1,000.00
- Maintenance Fee: $10.00 if the balance falls below $1,000.00
- Check Writing Fee (3 per month): FREE
- Variable Interest Rate: based on the National High Yield MMA index reported in Bankrate.com.
- Minimum Balance for premium interest rate: $25,000.00*
*If the average daily collected balance should be below $25,000.00, the interest rate paid is the lowest posted deposit rate the bank offers on its money market deposit accounts.
..... Go To The Personal Rock Solid Money Mkt Page
Personal Savings
It is never too late to start saving for those rainy days or future plans. Our personal savings account gives you security and flexibility while you let your money grow.
- Initial Deposit: $10.00
- Minimum balance: $100.00 Maintenance Fee: $2.00 if the balance falls below $100.00
- Competitive Savings Account interest rate. Call the bank for current rate.
- ATM access card
..... Go To The Personal Savings Acct Page
Minor Savings Account
Start saving now for the future needs of your children with a minor savings account at Castle Rock Bank. A car and college are not that far away.
- Maintenance Fee: $0.00
- Minimum balance: $10.00
- Competitive Savings Account Interest rate. Call the bank for current rate.
- ATM access card
..... Go To The Minor Savings Acct Page
Certificate of Deposits
Castle Rock Bank Certificates of Deposit offer competitive rates and a variety of terms to meet your needs.
| Term | Minimum Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 6 Months | $1,000.00 | 2.907 % | 2.95 % |
| $10,000.00 | 2.956 % | 3.00 % | |
| $100,000.00 | 3.004 % | 3.05 % | |
| 1 Year | $1,000.00 | 2.9078% | 2.95% |
| $10,000.00 | 2.956% | 3.00% | |
| $100,000.00 | 3.004% | 3.05% | |
| 18 Months | $1,000.00 | 3.004% | 3.05% |
| $10,000.00 | 3.053% | 3.10% | |
| $100,000.00 | 3.101% | 3.15% | |
| 2 Years | $1,000.00 | 3.150% | 3.20% |
| $10,000.00 | 3.198% | 3.25% | |
| $100,000.00 | 3.247% | 3.30% | |
| 4 Years | $1,000.00 | 3.392% | 3.45% |
| $10,000.00 | 3.440% | 3.50% | |
| $100,000.00 | 3.488% | 3.55% | |
| 5 Years | $1,000.00 | 3.392% | 3.45% |
| $10,000.00 | 3.440% | 3.50% | |
| $100,000.00 | 3.488% | 3.55% |
TRUTH-IN-SAVINGS DISCLOSURE
Rates valid as of 11/18/2008.
The Interest Rate and the Annual Percentage Yield for your account are shown above. You will be paid the current interest rate at least until the Certificate of Deposit matures.
6 Month Certificate of Deposit.
Maturity
Your account will mature in 6 months. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $1,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 6 months. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 30 days' interest.
An early withdrawal penalty may invade principal.
1 Year Certificate of Deposit
Maturity
Your account will mature in 1 year. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $1,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 1 year. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 30 days' interest. An early withdrawal penalty may invade principal.
18 Month Certificate of Deposit
Maturity
Your account will mature in 18 months. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $1,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 18 months.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 90 days' interest. This early withdrawal penalty may invade principle.
2 Year Certificate of Deposit
Maturity
Your account will mature in 2 years. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $1,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 2 years. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 90 days' interest. This early withdrawal penalty may invade principal.
4 Year Certificate of Deposit
Maturity
Your account will mature in 4 years. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $1,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 4 years. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 90 days' interest. This early withdrawal penalty may invade principal.
5 Year Certificate of Deposit
Maturity
Your account will mature in 5 years. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $1,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 5 years. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 90 days' interest.
Additional Fees and Terms
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (e.g., checks).
Note: fees could reduce the earnings on your account.
Balance Computation Methods
The daily balance method applies a periodic rate to the full amount of principle in the account each day.
The average daily balance method applies a periodic rate to the average balance in the account for the period. The average daily balance is calculated by adding the full amount of principle in the account for each day of the period and dividing that figure by the number of days in the period.
Contact us for a current schedule of Fees and Charges.
.....
Go To The CD Page
Individual Retirement Accounts (IRA)
Today's IRAs offer a variety of ways for your money to grow with attractive tax incentives, higher contribution limits, and more flexibility to move money between IRAs and employer-sponsored retirement plans. IRAs can be used to save money for retirement, educational expenses, a non-working spouse, or for the self employed. For more information, call or visit one of Castle Rock Bank's convenient locations and speak to one of our knowledgeable customer service representatives today.
| Term | Minimum Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| 6 Months | $2,000.00 | 2.956 % | 3.00 % |
| $10,000.00 | 3.004 % | 3.05 % | |
| $100,000.00 | 3.053 % | 3.10 % | |
| 1 Year | $2,000.00 | 2.956% | 3.00% |
| $10,000.00 | 3.004% | 3.05% | |
| $100,000.00 | 3.053% | 3.10% | |
| 18 Months | $2,000.00 | 3.053% | 3.10% |
| $10,000.00 | 3.101% | 3.15% | |
| $100,000.00 | 3.150% | 3.20% | |
| 2 Years | $2,000.00 | 3.198% | 3.25% |
| $10,000.00 | 3.247% | 3.30% | |
| $100,000.00 | 3.295% | 3.35% | |
| 4 Years | $2,000.00 | 3.440% | 3.50% |
| $10,000.00 | 3.488% | 3.55% | |
| $100,000.00 | 3.357% | 3.60% | |
| 5 Years | $2,000.00 | 3.440% | 3.50% |
| $10,000.00 | 3.488% | 3.55% | |
| $100,000.00 | 3.357% | 3.60% |
TRUTH-IN-SAVINGS DISCLOSURE
Rates valid as of 11/18/2008.
The Interest Rate and the Annual Percentage Yield for your account are shown above. You will be paid the current interest rate at least until the Certificate of Deposit matures.
6 Month Certificate of Deposit.
Maturity
Your account will mature in 6 months. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $2,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 6 months. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 30 days' interest.
An early withdrawal penalty may invade principal.
1 Year Certificate of Deposit
Maturity
Your account will mature in 1 year. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $2,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 1 year. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 30 days' interest. An early withdrawal penalty may invade principal.
18 Month Certificate of Deposit
Maturity
Your account will mature in 18 months. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $2,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 18 months.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 90 days' interest. This early withdrawal penalty may invade principle.
2 Year Certificate of Deposit
Maturity
Your account will mature in 2 years. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $2,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 2 years. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 90 days' interest. This early withdrawal penalty may invade principal.
4 Year Certificate of Deposit
Maturity
Your account will mature in 4 years. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $2,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 4 years. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 90 days' interest. This early withdrawal penalty may invade principal.
5 Year Certificate of Deposit.
Maturity
Your account will mature in 5 years. This account will automatically renew at maturity. You will have ten business days after the maturity date to withdraw funds without penalty.
Minimum Deposit, Time and Balance Requirements
To open this account, you must deposit $2,000.00. To earn the annual percentage yield shown, your entire balance must remain on deposit for at least 5 years. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Transaction Limitations
You may not make withdrawals from or deposits into this account until maturity. If you withdraw any funds before maturity, your account will be charged an early withdrawal penalty in an amount equal to 30 days' interest.
An early withdrawal penalty may invade principal.
Additional Fees and Terms
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (e.g., checks).
Note: fees could reduce the earnings on your account.
Balance Computation Methods
The daily balance method applies a periodic rate to the full amount of principle in the account each day.
The average daily balance method applies a periodic rate to the average balance in the account for the period. The average daily balance is calculated by adding the full amount of principle in the account for each day of the period and dividing that figure by the number of days in the period.
Contact us for a current schedule of Fees and Charges.
..... Go To The IRA Page
Educational IRA's
Education is the key for success in life. Whether it is academics or technical training, a secondary level of education is extremely important.
But, for many parents as well as students, thinking about a secondary level of education doesn't begin until the senior year of high school. Planning and saving for higher education is something that should begin at an early age.
Castle Rock Bank offers education IRA's that are designed to help parents and students invest for the future.
For more information on educational IRA's visit Castle Rock Bank today or call us at 303-688-5191.
.....
Go To The Educational IRA Page