Personal Savings

SavingsPersonal Savings

Bank of Ocean City has a complete offering of personal savings accounts to help your hard earned money grow so you can achieve your savings goals. Below is a list of savings accounts offered. Explore our options and choose the savings account with the features that work best for you!


This interest bearing account is suited for customers who wish to begin saving for the future.

Seasonal Savings

 This account is designed for customers who are visiting our community and wish to maintain an interest bearing savings account for less than 6 months.

Savings IRA

This investment product is for customers who want to start building a retirement fund and earn premium interest.

HSA- Health Savings Account

Use this account to save for future medical expenses while enjoying tax savings.

*Must have a High Deductible Health Insurance Plan

Money Market

This interest bearing account is available to customers who maintain a balance in excess of $1,000 in their savings account and are looking for limited check writing privileges.

CD- Certificate of Deposit

This product is best suited for customers who wish to invest their funds in a Time Deposit with terms ranging from 3 months to 5 Years.


These products enable safety-conscious customers the ability to invest up to $50 million dollars, FDIC insured, while maintaining only one banking relationship.

*Earn CD level interest returns which measure favorably with those of Treasuries and other high quality investments (Consult with a Bank of Ocean City employee regarding eligibility and rates)

Christmas Club

This savings account is best suited for those that want to save for the Holidays or any other year end expense.

*Maximum contribution is $5,000 per year, per person
*Automatic transfers from Bank of Ocean City accounts only
*Interest paid at maturity
*No early withdrawal

FDIC Deposit Coverage

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