PERSONAL BANKING

CONVENIENCE AND SERVICE YOU CAN COUNT ON
INTEREST-BEARING ACCOUNTS

Personal CD


CDs offer a higher rate of return than typical savings account. With terms from 6 months to 5 years, you can grow your money without exposing it to the risk of the stock market. Speak to an Oakwood banker today to discuss which term and interest rate works best to achieve your financial goals.

  • Choose from 6, 12, 18, 24, 36 or 60 months
  • Interest paid quarterly
  • Penalty applies for early withdrawal
$ 1000
minimum deposit

Get in touch for more info

Personal Money Market


The Oakwood Personal Money Market account is great for consumers that want to earn interest on a larger balance, while maintaining access to their funds at any time.

  • Earns interest on minimum monthly balance of $10,000
  • 6 debits per statement cycle, $5 each thereafter
  • Interest paid monthly
  • $15/mo service fee, waived by maintaining a $10,000 balance
$ 100
minimum deposit

Get in touch for more info

Federal regulations and the Deposit Agreement limit the number of the following types of withdrawals and transfers from a savings account to a total of six (6) each monthly statement cycle (or each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online and Mobile Banking transfers or payments or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we will convert your account to another type of account and your account may no longer earn interest.

Personal Savings


Receive a competitive interest rate with the convenience of accessing your funds when you need them with Oakwood’s Personal Savings account. With a low $100 deposit to open, checking transfers, and interest paid quarterly, you can automate your savings for a rainy day.

  • 6 withdrawals per quarter, $2.50 each thereafter
  • Automatic transfer from your checking account
  • Interest paid quarterly
  • Free online banking and eStatements
  • $5/mo service fee, waived by maintaining a $300 balance
$ 100
minimum deposit

Get in touch for more info

Federal regulations and the Deposit Agreement limit the number of the following types of withdrawals and transfers from a savings account to a total of six (6) each monthly statement cycle (or each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online and Mobile Banking transfers or payments or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we will convert your account to another type of account and your account may no longer earn interest.

Now Checking with Interest


The larger your balance, the more you earn with Oakwood’s Now Checking with Interest account. Get unlimited transactions, monthly interest payments, free online banking, and more. And, if you maintain a balance of $1,500, the service fee is waived.

  • Unlimited transactions
  • Earns interest on minimum monthly balance of $1,500
  • Interest paid monthly
  • Free debit card, online banking, and eStatements
  • Online bill pay available
  • $15/mo service fee, waived by maintaining a $1,500 balance
$ 100
minimum deposit

Get in touch for more info

PERSONAL CHECKING ACCOUNTS

E-Checking


Why not get rewarded by banking online? With Oakwood’s E-Checking Account, you can do just that by enrolling in eStatements and maintaining a minimum of debit and ACH transactions per month.

  • Unlimited transactions
  • Free debit card, online banking, and eStatements
  • Online bill pay available
  • $10/mo fee, waived with 12 debit & 2 ACH transactions
$ 100
minimum deposit

Get in touch for more info

Oakwood Checking


Oakwood’s signature Personal Checking account features the lowest fees of any of our products, with the option to avoid the service fee if you keep a balance above $5,000.

  • 11 free check transactions per statement cycle, $0.10 thereafter
  • Free debit card, online banking, and eStatements
  • Online bill pay available
  • $3/mo service fee for balances under $500
  • $2/mo service fee for balances $500-$5,000
  • No monthly service fee for balances over $5,000
$ 1000
minimum deposit

Get in touch for more info

Personal Checking


Our Personal Checking account is simple–unlimited transactions, free online banking, and avoid a service fee by maintaining a monthly balance of $750.

  • Unlimited transactions
  • Free debit card, online banking, and eStatements
  • Online bill pay available
  • $10/mo service fee, waived by maintaining a $750 balance
$ 100
minimum deposit

Get in touch for more info