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We offer interest bearing and noninterest bearing accounts. We require that you open the account with $100 or more. A monthly service charge of $8.00 will be imposed every statement cycle if the balance falls below $500.00 any one day of the statement cycle. You may avoid this charge by maintaining a $500.00 balance in any other account. Interest rates may change at our discretion, please call for current rates.

Money Market Checking

Our money market account is an interest bearing account, requiring a $2,500.00 minimum balance. You may make unlimited withdrawals in person. There is a limit of six (6) transfers per statement cycle by pre-authorized or automatic transfer or by telephone or on-line banking. If you exceed the limits you are allowed or if your balance falls below $2,500.00, your account will be converted to a regular checking account.


We offer a traditional savings account. We require the account to be opened with $50.00 or more. There is no service charge for an active savings account. Interest is compounded daily and posted to the account quarterly.


Morganton Savings Bank offers a variety of certificates of deposit with maturities that range from 1 year to 5 years. Please call or come by our office for competitive interest rates. Interest is compounded daily and posted quarterly to your account. This is a flexible yet secure way to invest for your future.