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Spend to live. Save to live well.

Work toward your goals with these safe, FDIC-insured savings account options.

Personal Installment Savings

Your major-milestones savings account

Put money away each month and let your balance grow over time to meet whatever milestones you plan.1

  • First monthly installment payment
  • No monthly service fee
  • Interest compounded daily, paid quarterly2
  • A penalty may be applied for early withdrawal. Fees may reduce earnings on the account.
Term (Months)APY* (%)Interest Rate** (%)$1,000$5,000$10,000$15,000$20,000$25,000
121.26%1.25%$82.82$414.08$828.15$1,242.23$1,656.30$2,070.38
181.51%1.50%$54.93$274.67$549.34$824.01$1,098.68$1,373.35
241.77%1.75%$40.94$204.71$409.43$614.14$818.86$1,023.57
361.77%1.75%$27.06$135.28$270.56$405.83$541.11$676.39
481.77%1.75%$20.11$100.57$201.13$301.70$402.26$502.83
601.77%1.75%$15.95$79.74$159.49$239.23$318.97$398.71
*APY stands for Annual Percentage Yield

**Installment Savings Interest Rates effective as of November 14, 2022.

Personal Regular Savings

Your everyday checking account

Our not-so-basic basic savings account earns you interest and keeps your funds liquid.

  • $100 minimum opening deposit
  • $5 monthly service fee (waived with $500 minimum daily balance)
  • Interest compounded daily, paid quarterly2


Personal Money Market

Our basic money market account

This high-interest savings account has no time limits and gives you easy access to your funds.

  • $2,500 minimum opening deposit
  • $10 monthly service fee plus $0.25 per debit transaction (waived with $2,500 minimum daily balance or $5,000 average daily balance)
  • Interest compounded daily, paid monthly2

Personal VIP Money Market

Our next-level money market account

This high-interest savings account gives you a higher rate when you maintain a higher balance.

  • $100,000 minimum opening deposit
  • $20 monthly service fee plus $0.25 per debit transaction (waived with $20,000 minimum daily balance or $100,000 average daily balance)
  • Interest compounded daily, paid monthly2

Personal Special Money Market

Our basic money market account

This high-interest savings account rewards you for higher balances and gives you free checks.

  • $100,000 minimum opening deposit
  • $30 monthly service fee plus $0.25 per debit transaction (waived with $100,000 daily balance or $300,000 average daily balance)
  • Interest compounded daily, paid monthly2

Personal Certificate of Deposit (CD)

Our Set-it-and-Forget-it Savings account

This high-yield saving account lets you lock in our best CD rates for the amount and term of your choice.

  • $1,000 minimum opening deposit
  • 7-day to 3-year terms, renews automatically
  • No monthly service fee
  • Simple interest3
  • A penalty may be applied for early withdrawal. Fees may reduce earnings on the account.


Individual Retirement Account (IRA)

Our must-have individual retirement account

This tax-deductible retirement account lets you make annual contributions. Start it now and be glad you did later in life.

  • $100 minimum opening deposit 
  • 1-year term, renews automatically
  • No monthly service fee
  • Simple interest3
  • A penalty may be applied for early withdrawal. Fees may reduce earnings on the account

Choose the best savings account for you.

Features

Installment Savings1,2

Regular Savings2

Money Market2

VIP Money Market2

Special Money Market2

CDs3

IRAs3

Minimum Opening Deposit

$100$2,500$100,000$100,000$1,000$100

Interest Bearing2,3

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1 Minimum contract amount is $1,000 and maximum contract amount is $100,000. Must make monthly installment payments to maintain interest and withdrawal amounts. Early withdrawal penalty (three months’ interest) may apply.

2 Interest rate and annual percentage yield may change. If account is closed before interest is credited, accrued interest will not be paid.

3 Interest will be paid at maturity or annually, whichever occurs first. Other restrictions may apply. For further account details, please contact or visit your nearest PCB Bank branch representative.

Bank online or on the go.

Check your balance, transfer funds, pay bills – whatever needs doing, you’ll have the online banking and mobile tools to get it done. 

Tips and tools to bank safe and easy.