PERSONAL BANKING

 

Athens Federal offers a variety of personal checking accounts, money market accounts, savings accounts, CDs and IRAs to fit your individual needs.
For additional information, stop by one of our conveniently located branches and speak to a customer service representative.

 

CHECKING ACCOUNTS

Basic

Features on

All Accounts

ATM/Debit Card1

(No Usage Fees)

Athens

Federal

Credit Card2

DDA Line of Credit2

(Brochure - PDF)

24-hour

Telephone & Mobile Banking

Online Banking -

Bill Pay & Paperless

eNotifications

Overdraft

Transfer

(Click for more info)

Direct

Deposit

 

Minimum

Balance

to Open

Special

Requirements

Monthly Service

Charge

Minimum Daily

Balance to Avoid

Service Charge

Earns Interest

(Variable Rate4)

 Additional Benefits

FREE

Checking

 $50

Truncated

Statements3

 None   No

 

Campus

Checking

$50

 < 25 yrs. of age None   No

• Converts to Money Maker Checking

c on account holder's 25th birthday

Money Maker

Checking

 $100   $7.95  

Yes

(no minimum

balance required)

• Free personalized checks

• Cashier's Checks (3 free/mo.)

• Free notary service/Travelers

c checks/10 photocopies/mo.

Seniority

Checking

 $100 50+ yrs. of age None  

Yes

(with $1,500 daily balance)

• Membership to Athens Federal

c Senior Travel Club

• Cashier's Checks (3 free/mo.)

• Free notary service/Travelers

c checks/10 photocopies/mo.

NOW Account

 $300   $10 $1,000

Yes

(with $1,500 daily balance)

 

Super NOW

Account

 $2,500   $10 $2,500

Yes

(with $2,500 daily balance)

 

President's

Choice Checking

 $25,000   $15 $25,000

Yes

(with $25,000 daily balance)

• Free personalized checks

• Cashier's Checks (3 free/mo.)

• Free notary service/Travelers

c checks/10 photocopies/mo.
Enjoy Free Unlimited Check Writing on all Checking Accounts

MONEY MARKET ACCOUNTS

 

Minimum

Balance

to Open

Special

Requirements

Monthly Service

Charge

Minimum Daily

Balance to Avoid

Service Charge

Earns Interest

(Variable Rate****)

 Additional Benefits
Money Market Account $2,500   $10 $2,500

Yes

(with $2,500 daily balance)

 

President's

Choice Tiered Money Market

 $5,000   $15 $5,000

Yes

(tiered rate)

 

 

1Click here to learn more about Debit Card Holds.

2Subject to Credit Approval.

3Truncated Statements do not include check images. All other accounts include imaged statements.

4Interest rates are variable and subject to change. Tiered interest rates refer to changing rates of interest applied to balances by maintaining the account's daily balance within that tier for the monthly account cycle. See a customer service representative for current balance tier requirements based on account type and current rates.

 

Click here to read our account disclosures.

Check Ordering and Order Status

 

SAVINGS ACCOUNTS

Regular

Savings

 

This account offers you an easy way to save money and earn interest, compounded monthly, at competitive rates. If you have both a savings and checking account with Athens Federal, you may be interested in our Overdraft Transfer. Contact a customer service representative to set up Overdraft Transfer to your Athens Federal checking account and should your checking account become overdrawn, we will automatically transfer money in $50 increments from your savings account into your checking account.

 

c • Open with $50

c • Interest compounded monthly

c • Monthly service charge of $10 if balance is below $50

c • Overdraft transfer from checking to savings - $10 per transaction

 

Christmas Club and Vacation Club

 

The Christmas and Vacation Club accounts are designed for the saver who would like to be prepared for the next Christmas season or vacation trip with a savings club deposit from Athens Federal. Vacation Club funds are available in May and Christmas Club funds are available in November of each year. Higher interest is paid with direct deposit. See a customer service representative for more details.

 

Super Saver

Savings

Account

 

A savings plan to help children understand the importance of good savings habits, Super Saver Savings Accounts offer a free piggy bank with each account opening and prizes for each deposit.

 

 

CERTIFICATES OF DEPOSIT (CDs) & INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Certificates of Deposit

(CDs)

 

Certificates of deposit (CDs) are available in terms from seven (7) days to five (5) years. You earn fixed rates on simple interest or interest compounded quarterly, depending upon the certificate you choose. See a customer service representative for current rates.

 

c • Certificates require the following minimum deposits: 7-day: $10,000; 91-day: $7,500; 6 month: $5,000; 1-5 year: $500

c • Certificates maturing in less than one year pay interest at maturity

c • Certificates maturing in one year or greater compound interest quarterly

c • Interest may be withdrawn at any time on all certificates without penalty; however, the withdrawal will affect the annual

c c percentage yield (APY)

c • CDARS® service available to receive FDIC insurance coverage on balances that exceed FDIC insured limits - see a customer

c c service representative for details

 

Penalties are imposed for early withdrawal of principal on any certificate.

 

 

Individual

Retirement

Accounts (IRAs)

 

 

If you are looking for tax deferred savings, choose an Athens Federal IRA. Your earnings are tax deferred until withdrawals are made from your account. See a customer service representative at any of our branches to discuss an IRA that will meet your investment needs.

Subject to IRS Regulations.