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Personal Savings

Save your hard-earned money with the help of the right savings or money market account. Whether itís a car, remodeled room or an emergency fund, our savings and money market accounts can help you reach your savings goals.

Choose from several options including savings accounts with tiered interest rates, money market accounts, a health savings account and a Christmas Club account

Savings


Start saving with ease and minimal fees.

Our Savings account is easy to maintain with automatic transfers that make saving seem effortless.

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Minimum initial deposit $25
ATM card Yes
Withdrawals 18 Free/quarter
Online Banking Free
Minimum Balance $200
Monthly Fee None
e-Statements Free
Competitive Interest Quarterly
Charges waived Ages 23 & under
Ages 62 & over
ATM card subject to approval. $1 charge per withdrawal after first 18 free per quarter. Online banking free via NetTeller. Required minimum balance is $200 to avoid service fee. Monthly fee is $3 per statement cycle if balance falls below $200. (Fee is waived if age 23 or under or age 62 or over.) Competitive interest is paid quarterly for balances over $25.

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Savings Plus


Earn higher interest for larger account balances.

Our Savings Plus account features a tiered interest structure that pays higher interest for larger account balances and can be linked to your Ohio Valley Financial Group checking account.

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Minimum initial deposit $25
Monthly Fee None
Minimum Balance None
ATM card subject to approval
Online Banking Free
Tiered interest $0-$9,999.99
$10,000-$19,999.99
$20,000+
e-Statements Quarterly combined checking and savings statements
Perfect Checking or Perfect Checking PLUS account required

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Money Market


Increase your interest income while maintaining easy access to your funds

Now you can earn a competitive interest rate on your savings balance while also having the freedom to write a check if you need to. Our Money Market account offers flexibility, while also paying interest on a tiered structure.

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Minimum initial deposit $2,500
Tiered interest $0-$2,499.99
$2,500-$9,999.99
$10,000+
Check writing Yes
ATM card Free
Withdrawals 6 per month free
Online banking Free
e-Statements Free
Bounce protection Yes
$10 charge per withdrawal after 6 free per month. Online banking free via Net Teller.

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Money Market Plus


Earn more interest on your larger account balance without sacrificing the flexibility to withdraw funds when needed.

If you have a large savings balance, you can keep it growing with a competitive interest rate and also have the freedom to write a check if you need to. Our Money Market Plus account offers this flexibility and also pays interest on a tiered structure.

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Initial deposit $20,000
Tiered interest $0-$19,999.99
$20,000-$49,999.99
$50,000+
Check writing Yes
ATM Card Free
Withdrawals 6 per month free
Online banking Free
e-Statements Free
Bounce protection Yes
$10 charge per withdrawal after 6 free per month. Online banking free via Net Teller.

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Health Savings


Safeguard against future health costs with pre-tax savings.

Peace of mind comes with being prepared for expected and unexpected health-related expenses. Our Health Savings account helps you set aside pre-tax money for a range of current or future needs and then pay for them easily with a debit card.

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Minimum initial deposit $25
Competitive interest Paid monthly
Debit card Free
Online Banking Free
e-Statements Free
Monthly fee $2/month
Interest based on the current variable IRA rate. Up to 5 debits per month at no charge; $1 charge per withdrawal thereafter. Online banking free via Net Teller. Monthly fee of $2 per month if balance falls below $1,000.

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Christmas Club


Stash away cash for holiday shopping.

Do you love to do your holiday shopping without worrying about debt in the New Year? With our Christmas Club account, you can do just that by saving ahead and earning competitive interest in the process. Automatic transfers from your Ohio Valley Financial Group checking account make saving for holiday shopping effortless. When October rolls around, youíll be ready to shop.

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Minimum initial deposit $5
Interest Variable rate
Available Issued in October w/check for account balance
Withdrawals $10 charge each
Premature closing $10 charge & loss of interest

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