New Leaf Savings

Accumulate funds for specific purchases, vacations, house purchases, and other savings goals. A perfect companion to a Bank of Oak Ridge checking account!

• Opening deposit: $50 or more
• No minimum balance required
• One automatic credit (through Internet Banking or Automated Clearing House) per month to avoid service charge of $5 per month
• Interest is compounded daily and credited quarterly
• Quarterly statements
• ATM accessible

Savings Plus

A tiered savings account that rewards you with higher interest rates on larger balances.

• Opening deposit: $100 or more
• Minimum daily balance of $100 in the account to avoid monthly service fee of $5
• Interest is compounded daily and credited quarterly
• Quarterly statements
• ATM accessible

Student/Minor Savings

A tiered student or minor savings account that rewards you with higher interest rates on larger balances.

• Opening deposit: $1 or more
• No monthly service charges
• Interest is compounded daily and credited quarterly
• Quarterly statements
• ATM accessible

Money Market Account

A tiered, interest-bearing savings account accessible by check. This account rewards with higher interest rates on larger balances.

• Opening deposit: $500 or more
• Maintain a minimum of $1,000 to avoid monthly service charge of $10
• Interest is compounded daily and credited monthly
• FREE Cashier’s Checks
• FREE Notary Services

• Unlimited access by personal in-branch withdrawal. Preauthorized transfers are limited to six per month, no more than three of which may be by check, draft, Visa® Check Card or similar order made to third parties.
• FREE Visa® Check Card or ATM Card to use at any ATM worldwide for free. We do not charge fees and even rebate any fees other banks charge for using their ATMs (up to 6 times per month).

Certificates of Deposit

Our Certificates of Deposit offer guaranteed yields, flexibility, and the safety of FDIC insurance.

Your investment is safe because Bank of Oak Ridge CDs are backed by the Federal Deposit Insurance Corporation for up to $250,000 per individual* – making them as safe as any investment in the world.

With a minimum deposit of $3,500, you can open your own CD. To help you decide which CD will best meet your needs, take our One-Minute Certificate of Deposit Test.

*Effective through 12/31/13.

CD Options:

• Short-Term CDs – Uusually up to 3 months, offer you the fastest access to your money.
• Medium-Term CDs – Our 6 to 18-month medium-term CDs offer you higher yields than shorter term CDs.
• Long-Term CDs – If you have a long-term outlook, our CDs with maturities of 2 years or more reward you with the highest yields we have to offer.