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Traditional Savings Account

Traditional plans for customers who need a safe no frills way to protect their capital while earning interest. You are not required to have other accounts to earn interest.

It takes $100 to open this account.

The account includes a semi annual statement and Free Direct Deposit.

We Also Offer Minor Savings Accounts

Requires $50 to open this account with no minimum balance required.

Minimum Balance to Avoid Imposition of Fees

If balance falls below $200 on any day in the statement cycle, a maintenance fee of $2 will be imposed once during the cycle.

Transaction Limitations

Transfers from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no transfers by check, draft, debit card, or similar to third parties.


An excess withdrawal charge fee of $1 will be charged for each debit in excess of six per statement cycle.

If a customer or the bank closes an account within 180 days after opening of the account the customer will be charged a $30 closing fee.

Compounding and Crediting Frequency

Interest will be compounded every quarter. Interest will be credited to your account every quarter.

Rate Information

Your interest rate and annual percentage yield may change.

Frequency of Rate Changes

We may change the interest rate on your account at any time.

Effect of Closing an Account

If you close your account before interest is credited, you will not receive the accrued interest.

Daily Balance Computation Method

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on Non Cash Deposits

Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (e.g. checks)

Ask about our traditional savings accounts

Contact Us to Learn More
About Personal Savings Accounts!

Interest Rates



First Bank of the Lake
4558 Osage Beach Parkway, Suite 100
Osage Beach MO 65065 




member FDIC


Lobby Hours
Mon - Fri 8:30 AM - 4:00 PM

Drive Up Hours
Mon - Fri 8:00 AM - 5:00 PM

Lobby & Drive Up
8:00 AM - 12:00 PM

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