Personal Banking »
Savings Accounts

• Regular Savings Account
• Christmas Club
• Certificates of Deposit
• Retirement Accounts
• Investment Account
• Health Savings Account

Get your account statements by E-mail!

Call us at one of the numbers below to have your account statements E-mailed to you!

• Clifton: 931-676-3311 or toll-free at 877-656-3311
• Waynesboro: 931-722-3608
• Hohenwald: 931-796-3777

Don't forget! Our online banking and telephone banking systems are available 24 hours a day! Take a moment and try them out by clicking the links. We believe you'll come to love these servces that can be accessed from the comfort of your home or office.

Regular Savings Account

• No minimum opening deposit
• No minimum balance required to earn interest
• A fee of $25 will be charged if there are more then six (6) withdrawals per month.
• Interest on average daily balance is compounded and credited semiannually
• Withdrawals by check not permitted
• ATM withdrawals are permitted
• If your account dips below $200 and has no activity for six months (dormant), a monthly fee of $2 will apply.  Please call one of our customer service representatives for more information on these accounts, including any other fees you may be charged to own this account.

• Deposits may be made at any time in any amount
• One withdrawal may be made between June 15th and July 15th
• You will receive a check for the balance of the account, plus accrued interest, the week before Thanksgiving.
• Rate is higher than our Regular Savings Account

Please call one of our customer service representatives for more information on these accounts, including any fees you may be charged to own this account.

Certificates of Deposit

• Choice of maturity: 91 days, 182 days, 12 months, 18, months, 30 months, or 5 years.
• Interest accrues daily and may be paid monthly, quarterly, or at maturity. It may be capitalized, or added back, into the C.D. monthly, quarterly or at maturity.
• Early withdrawal penalties may apply.

Please call one of our customer service representatives for more information on these accounts, including any fees you may be charged to own this account.

Retirement Accounts

• We offer IRAs, Roth IRAs, SEP IRAs, and the Coverdell Education Savings Account. Please click on the VItoP Club link for more information on our retirement accounts.
• Choose from variable or fixed rate IRA-C.D.s.
• Interest accrues daily.
• Early withdrawal penalties may apply.

Please call one of our customer service representatives for more information on these accounts, including any fees you may be charged to own this account.

• Rate will always match our 3-month Certificate of Deposit rate and annual percentage yield.
• Rate and yield may change daily.
• $10,000 opening deposit
• Annual percentage yield is paid based on the balance during the statement cycle.
• Withdrawals by check, preauthorized debit and ATM are not permitted.
• No early withdrawal penalty.
• Deposits may be made at anytime.
• Interest is compounded monthly

Please call one of our customer service representatives for more information on these accounts, including any fees you may be charged to own this account.

• Allows the account beneficiary to accumulate funds to pay health expenses on a tax-preferred basis.
• Call us for more information before opening this account.

* Please call one of our customer service representatives for more information on these accounts, including any fees you may be charged to own this account.