Online Banking:

Online Banking ID:
Not Enrolled?	Enroll Today

Trust & Investment Accounts

Trust & Investment Account Employer Sponsored Plan

Amortizing Loan Auto Loans Auto Rebate vs. Low Interest College Savings Mortgage Comparison Net Worth Refinance Breakeven Retirement Planner Savings Traditional IRA

Home > Personal Banking > Savings & CDs

Savings & CDs

Savings and investment solutions for today and tomorrow.

Savings Accounts
Whether you're saving for retirement, college education, a home down payment or just saving for a rainy day, we have a savings plan to meet your needs.

• Savings
  Our Savings Account offers easy access to your funds, with interest compounded quarterly. With a minimum deposit of $100¹, deposit or withdraw funds at any Alpine Bank location or ATM at anytime, and make up to twelve withdrawals per quarter. Let us save you a trip to one of our branches - open an eSavings account and get a $25 gift card to amazon.com*!
• Minor Savings
  It's never too early to start saving for your child! With no monthly service charge and no minimum balance, it's a great way for you to get a head start on saving for your child's future.
• Smart Saver
  Get the most out of your savings with our Smart Saver Account. With a minimum deposit of $1,000 and interest compounded quarterly, this account can grow to where you need it to be. Two withdrawals are allowed per quarter, and an active Alpine Bank checking account must also be maintained.
• Holiday and Vacation Clubs
  Tired of paying for holiday gifts and vacations long after they're gone? Start with as little as $5.00, and then automatically transfer funds² each week from another Alpine Bank account. So this year, all you'll have left to remember are the pictures! (Holiday Club checks are issued approximately November 1st, and Vacation Club checks are issued approximately May 1st each year.)
• Next Generation Club
  We're committed to helping the children of our community succeed. From birth to college age, everyone is eligible for our Next Generation Club account. Parents start the ball rolling by opening a savings account. We help by offering rewards for "A"s. By the time the kids are able to drive, the responsibility of a checking account can be theirs.

1. Must maintain a minimum $100 monthly balance; otherwise, a $6.00 quarterly fee will apply.
2. Must automatically transfer funds at least once a month.

*Account must be applied for online and approved. Gift card will be sent via email after the appropriate paperwork has been sent back to the bank and the opening deposit is complete. At this time, the account will be officially open. One gift card per person. Limited offer while supplies last.

Certificates of Deposit (CDs)
Competitive rates and flexible terms are the perfect way to even out the volatility of a changing market. Alpine Bank CDs offer a guaranteed rate of return with maturities ranging from a number of days to several years. Generally, the longer the term, the higher the rate. Open an eCD right now!

Most Certificates of Deposit automatically renew for your safety and convenience. All CDs are subject to interest penalties for early withdrawal. Certificates of Deposit are covered by FDIC insurance.

Individual Retirement Accounts (IRAs)
IRAs are still a great way to save for retirement, and now they offer even more flexibility with penalty-free distributions for first-time homebuyers and college tuition. Choose the Traditional IRA or Roth IRA to develop your own blend of tax-deductible and nondeductible contributions and distributions*.

• Traditional/Roth IRA
  Save and defer tax on earnings until they are withdrawn. Certain contributions may be tax deductible in the tax year for which they are made. For the current tax year, you may be eligible to contribute the standard limit of $5,000. If you are age 50 or older, you may qualify to contribute an additional $1,000 allowing you to catch up on lost retirement savings.

*Tax deductibility, contribution limits and withdrawal penalties depend on your individual circumstances. Please consult your tax advisor.

Premium Money Markets
Put your money to work with rates that grow as your balance grows¹. Money Markets are the safest, fastest way to save without compromising on interest rates.

Benefits include:

• Direct Deposit
  Have any checks you receive on a regular basis, like Social Security and dividends, automatically deposited to your account to earn interest immediately.
• Convenient Access
  Make a deposit at anytime and make up to six preauthorized withdrawals per month with no more than 3 by check or similar order. Unlimited withdrawals can be made in person, by mail, by messenger, or by ATM.
• Easy-To-Read Monthly Statements

1. Must maintain a $1,000 daily ledger balance.