Personal Savings Accounts

It’s never too soon to start saving for the future.  First Bethany makes it easy with four great products!  And, you can access up-to-date information on your account FREE 24/7 with BETH telephone banking at (405) 789-2572; Internet Banking @ www.firstbethany.com; & Mobile Banking via smart phone or tablet app. Select one that’s right for you!

Customer Identification Requirements

Savings

Savings is an interest bearing consumer account designed for personal, family, or household use.  For more info, click here.

Youth Savings

Youth Savings is an interest bearing consumer account designed for those under age 18.  For more info, click here.

Health Savings

This account is for individuals who are participants in a Qualifying High Deductible Health Plan with separate minimum deductibles and total annual out-of-pocket expenses for both individuals and families. Amounts are subject to change by government regulation.  For more info, click here.

Certificates of Deposit

Provides investments for 91 days, 6 months, 1 and 2 years.  IRA CDs are 1 year investments. O.R.B.I.T. CDs are 2-year investments.  Automatically renewable CDs have a 10-day grace period at maturity. Single maturity CDs do not earn interest after maturity date.  Government and bank penalties may be imposed for early withdrawal before age 59½ on IRA CDs. Bank may assess a $25.00 fee for closing an IRA before age 70½.  O.R.B.I.T. CDs allow 1-time bump in rate during 24-month term.  IRA CDs are not eligible for the O.R.B.I.T. CD.  For more info, click here.
 

Account Deposit Requirements Minimum Balance Requirements
Statements
Electronic 
transactions 
generate a 
monthly statement
Interest2 Quarterly Service Charge
Savings
 SAVINGS
$100.00 
minimum 
opening deposit

BUSINESS
SAVINGS
$350.00 
minimum 
opening deposit
$100.00 Daily
Quarterly

Secure
e-Statement 
recommended
$100.00 & Over
$6.00 Quarterly
if daily balance falls
 below $100.00

ACTIVITY FEES
Per debit3 over 
3 per calendar 
quarter4 - $1.00
Youth Savings
$25.00 
minimum 
opening deposit
$25.00 Daily
Quarterly

Secure
e-Statement 
recommended
$25.00 & Over
FREEACTIVITY FEES
Per debit3 over
3 per calendar 
quarter4 - $1.00
Health Savings
$100.00 
minimum 
opening deposit

No transaction 
limitations
NONE
Monthly 

Secure 
e-Statements
recommended
All balances
NONE

 
Certificates 
of Deposit
CD
$1,000.00 
minimum 
opening deposit

IRA CD
$100.00 
minimum 
opening deposit

O.R.B.I.T. CD5  
$1,000.00 
minimum 
opening deposit
CD
$1,000.00


IRA CD
$100.00
1-Yr investment

O.R.B.I.T. CD
$1,000.00
24-Month Term
Per CD terms

 
All balances; 
fixed rate; 
varies with 
investment term.
None

CD - Penalty for early withdrawal.

IRA CD - No penalty if over 59½. If closed before age of 70½ - $25.00 may be assessed6

1Effective 30 days after account is opened & qualified.  Not available to students.

2Interest is computed on the collected balance according to the daily balance method and paid according to the 
contract for individual account type. Interest begins to accrue on CDs the business day of deposit.  For all other 
interest-bearing accounts, interest begins to accrue no later than the business day we receive credit for the deposit 
of non-cash items.  Fees and penalties charged for balances falling below minimums will lower APY. Variable interest 
rates may change at any time at Management’s discretion. Accrued interest will not be paid to Senior NOW, NOW, 
Savings, Health Savings, Gold Money Market or Money Market accounts that close before interest is credited.
3Debits are any withdrawals made from the account except bank-related fees &/or service charges.

4Federal Regulation limits the number of withdrawals and/or transfers from this type of account. During each checking 
statement cycle (savings calendar month), you may not make more than six (6) withdrawals or transfers to another bank 
account of yours or to a third party by means of pre-authorized, automatic, telephone or electronic transaction.  There are
no limits on the number of withdrawals made in person. The bank requires proper identification for each withdrawal.
5You may elect to increase the rate one time during 24-month term. Interest rate is limited to the rate in effect for the same
CD product at the time of your request and the new interest rate will be paid for the remaining account term. If you exercise 
the bump rate option, only the rate will change. All other terms, conditions and the maturity date will remain the same.  The 
updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new 
Interest Rate will not be applied retroactively. Individual Retirement Accounts are not eligible for the O.R.B.I.T. CD.

6Government and bank penalties may be imposed for early withdrawal before age 59½. Bank may assess a $25.00 fee
 for closing an IRA before age 70½.