Consumer Savings

Whether you’re saving for Christmas or looking towards the future, Bank of Holly Springs has an account to help you reach your goal.

See Rates for Consumer Savings AccountsCompare Accounts


  • $200 to open
  • $200 minimum balance or $10 service fee will be charged
  • 3 withdrawal per quarter

Any withdraw exceeding 3 per quarter is subject to a $3 service fee per transaction

Certificates of Deposit

  • $1,000 to open
  • $1,000 minimum balance
  • Three month penalty for early withdrawal

Christmas Club

  • $25 to open
  • No minimum balance
  • No service fee


  • No minimum balance
  • Verification of employment
  • Yearly distributions began after 72 years of age
  • 18 month certificates of deposit
  • Must list beneficiary

Consumer Savings Accounts Comparison Chart


Christmas Club

Certificates of DepositIRA
Minimum to Open $200 $25 $1,000 None
Minimum Balance $200 None $1,000 None

$10 if balance drops below $200

None Three month penalty for early withdrawal None

See an account that's right for you?

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