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Personal Savings

Savings Accounts


Regent Savings 

Use Regent’s Savings Account to save for a vacation, a new car, or any special purpose.   
  • Minimum to open $100.00
  • 6 Withdrawals allowed per month 
  • No Monthly Maintenance Fee
  • Excessive withdrawal fee is $5.00
  • No interest accrued on balances below $100.00
  • No interest paid if account is closed between cycles
  • Quarterly Statements

Regent Kid’s Club

Learning the value of money at an early age is important to educating children.   
  • For ages birth – 12 years 
  • Minimum to open only $5 
  • Receive Regent piggy bank upon opening 
  • 6 Withdrawals allowed per month
  • Excessive withdrawal fee is $5.00
  • Interest accrues on all balances 
  • Quarterly statements   

Certificates of Deposit

Invest your money today in a CD from Regent Bank. With a minimum deposit your money can be earning interest at the current  fixed rate. The choice is yours. 
  • Minimum deposit of $1,000.00
  • Interest at a current fixed rate (as stated on Regent Bank website)
  • Terms:
    • 1 months
    • 2 months
    • 3 months
    • 6 months
    • 12 months
    • 18 months
    • 24 months
    • 36 months
    • 48 months
    • 60 months
  • Penalty Ranges:
    • 1 Month CD – 7 Day Interest Penalty
    • 2 – 3 Month CD – 30 Day Interest Penalty
    • 6 – 12 Month CD – 3 Month Interest Penalty
    • 18 – 60 Month CD – 6 Month Interest Penalty

IRA Accounts

Individual Retirement Account (IRA)

IRAs are a great way to get a head start on your retirement. Investing in an IRA from Regent allows your money to be tax deferrable until time of withdrawal. If you are under age 70½ and have an earned income, then an IRA could be the investment of a lifetime, for a lifetime.   
  • Terms:
    • 6 months
    • 12 months
    • 18 months
    • 24 months
    • 36 months
    • 48 months
    • 60 months
    • 120 months
  • Penalty Ranges:
    • 6 – 12 Month IRA – 3 Month Interest Penalty
    • 18 – 60 Month IRA – 6 Month Interest Penalty

In addition to Regent Bank retirement account penalties and tax consequences, the IRS imposes a 10% penalty on most withdrawals from IRAs before turning 59 1/2.

  • Minimum deposit of $1000.00
  • Must be 59 ½ to avoid early withdrawal penalty
  • Withdrawals over the age of 70 ½:
    • Required minimum distribution – RMD – No charge
    • Early withdrawal penalties apply to all other withdrawal requests
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