Savings & Money Market Accounts

Let us help you save for all the important things in life. Whether you’re saving for a new home, a dream vacation, or retirement, MCB has an account to fit your needs.

Check Rates

Features & Benefits

  • Free Online Banking
  • Mobile Banking*
  • Free eStatements
  • Free Telephone Banking
  • Interest Bearing

Comparison Chart

 

Statement Savings

Prime Investment AccountSprout® AccountHoliday ClubVacation Club
Benefits Pay yourself first with our standard savings account. Ideal for anyone who wants higher interest and access to their funds. Good savings habits begin early. With our passbook style account, kids can actively be involved and watch their money grow. Learn More About our Sprout® Account! Love the holidays but hate the bills? Our Holiday Club might be your answer...Use your holiday club savings account to save throughout the year, then you can shop without the worries of how to pay for it all. Our Holiday Club accounts pay out in September.  Ask about having your check direct deposited into your MCB checking account! Plan now for your dream vacation by making small deposits throughout the year.  Our Vacation Club accounts pay out in May.  Ask about having your check direct deposited into your MCB checking account!
Opening Deposit $100.00 $5,000.00 $10.00 $25.00 $25.00
Minimum to Earn Interest $100.00 Average daily balance, interest pays quarterly $1,000.00 Average daily balance or if a $25,000.00 balance is maintained, a premium rate is available, interest pays quarterly No minimum balance required, interest pays quarterly No minimum balance required, interest pays at maturity No minimum balance required, interest pays at maturity
Transaction Limitations 6 external or system generated transfers per month. Unlimited in person. No checks. Transfers limited to 6 per monthly statement cycle.* Unlimited in person.

No internal transfers

Additional deposits of at least $2.00, if a withdrawal is made within the first 6 days of account opening at least a seven day interest penalty applies, one withdrawal of principal may be made on the seventh day after opening but prior to maturity date without penalty with advance notice for processing. Additional deposits of at least $2.00, if a withdrawal is made within the first 6 days of account opening at least a seven day interest penalty applies, one withdrawal of principal may be made on the seventh day after opening but prior to maturity date without penalty with advance notice for processing.
Minimum balance to avoid fees $100.00 average daily balance during the monthly statement cycle $1,000.00 average daily balance during the monthly statement cycle No minimum balance if under 21 years of age No minimum balance No minimum balance

*Fees will apply after the 7th and subsequent check or pre-authorization transfer, automated cleaning house debit or telephone transfer per statement period.
**The MCB App is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile Banking App. Check with your carriers for specific fees and charges. Message and data rates may apply.

Refer to our Schedule of Account Fees for monthly services fees.

 

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