Investing

Helping you make the right decision on which investment account is right for you is one of the things that set us apart from other banks. Our accounts provide you with many investment choices so you can choose the one most suited to your needs. See below to learn more.

Personal Money Market Accounts

Put your money to work. When you want to increase the earning power of your savings, and still have funds available when you need them, consider a personal money market account at Hamilton State Bank. Our money market account gives you the flexibility to use funds as you need them with no check writing fees while still earning competitive interest rates on funds you want to keep invested.

Money Market Features:

  • No monthly maintenance fee when you maintain a minimum daily balance of $1,000 or an average daily balance of $2,500
  • Variable interest, compounded daily and credited monthly
  • $1,000 minimum opening balance
  • Automatic transfers from savings or checking
  • Free online banking to make transfers
  • Up to six free withdrawals or transfers per month by check, computer, phone, or preauthorized transfer. An $10.00 charge for excessive activity applies per additional transaction, and transactions are subject to Regulation D Restrictions (excluding in-person withdrawals).

 

Certificates of Deposit

Our CDs give you the best of both worlds. You get a guaranteed interest rate along with the flexibility to choose the terms that best fit your investment needs. Start taking advantage of higher interest rates, greater flexibility, and the safety of a FDIC insured certificate of deposit. Start making your money work harder for you.

IRAs

It is never too early to plan for retirement. Individual retirement accounts are the easiest way to get started. With a simple annual investment you can enjoy tax-free earnings (with a Roth IRA) or you can utilize tax-deferred earnings (with a traditional IRA) and pay no taxes until you retire. Even if you already have a pension or profit sharing at work, an IRA is a sound, safe way to add to your savings.

IRA Features:

  • Earnings are tax-deferred or tax-free depending on the product you choose
  • Flexible terms with either a fixed rate or a variable rate IRA
  • Variety of distribution and investment options
  • Accounts are FDIC insured up to $250,000

 

See IRS Publication 590 for tax deductibility information.

To report a lost or stolen debit card after normal business hours, please call
800-554-8969.

Information Regarding Your Deposit Account
Federal Regulations say you must “opt-in” or certain debit card & ATM transactions can be denied.

Telebanc: 1-877-527-2716 | Customer Support: 770-967-5090 | Email: