Regular Savings

Golden Savings | High Yield-Money Market | Certificates of Deposit

This is our most flexible savings plan. At our discretion, rates are subject to change weekly with interest compounded and credited quarterly.

*Accounts of customers under age 18 must provide date of birth at the time the account is opened.

The bank may allow monies to be withdrawn from regular savings accounts at any time without previous notice, but it reserves the right to demand notice of withdrawal of not to exceed sixty (60) days on any or all accounts, whenever in the sole opinion of the Bank or its Officers the same may be deemed advisable. Payments made by the Bank without notice having been filed shall not constitute a waiver of its right to require such notice thereafter. Failure to demand payment at the bank within five days after the expiration of the notice shall constitute a waiver of such notice, and a new notice may be required.

Record of Account – The bank shall, upon opening an account, issue to the depositor a record book of his or her account which is to be maintained by the depositor or if necessary, with the assistance of a bank employee. This record book need not be presented at the time of making a withdrawal or deposit to the depositor’s account. A receipt for each deposit and withdrawal will be issued to the depositor or his agent at the time of each transaction on the bank’s premises. No receipts will be issued for transactions conducted by any other means. The bank will maintain records of all Savings accounts and will furnish at designated dates quarterly statements of the accounts to each depositor for verification by the depositor. Each such statement shall be conclusively deemed to be correct and accurate in all respects unless errors therein are called to the bank’s attention within thirty (30) days after said statement has been presented to the depositor.

Interest – Interest will be credited to accounts based on type of accounts and the appropriate interest cycle on the last day of each month in the cycle. The individual account interest cycle will be indicated inside the depositor record book.