Personal
Banking
FOR A COMPLETE LISTING OF LOCATIONS,
AND THE LOCATION NEAREST YOU, VISIT
WWW.GREATWESTERNBANK.COM
GreatWesternBank.com
05/10 R6
Let’s Do Mortgage Loans
Great Western MortgageSM opens new doors to a range of
Great Things
great loan choices and services. Whether you’re building,
buying or refinancing, Great Western Mortgage has the
expertise and resources to best fit your immediate needs and
long-term goals.
Together •
•
•
•
Free credit analysis
First-time home buyers programs
Conventional and FHA/VA loans
Construction loans
• Online applications
• And more
You Have Goals and Dreams For more information, visit www.GreatWesternBank.com or
stop in and talk to a mortgage loan specialist.
At Great Western Bank, we will provide the
financial tools you need to help meet your
goals and realize your dreams. We’re always
trying to find a better rate, a better option,
and a better solution for you. Does that
sound like great banking? Then stop by
Great Western Bank today. We look forward
to talking with you and helping you achieve
your goals.
GREATWESTERNBANK.COM
Personal Loans Checking Accounts
At Great Western Bank, one of our greatest strengths is our TOTALLY FREE CHECKING AND THREE OTHER ACCOUNTS
local community banking philosophy, where decisions are THAT PAY YOU INTEREST
made quickly and loans can be approved at a moment’s Your checking account should match your needs and lifestyle,
notice. not the other way around. That’s why we offer four great
• Home Equity Loans checking accounts, so you can find a perfect fit for your
• Home Equity Lines of Credit financial situation.
• Automobile Loans • Totally Free Checking
• Recreational Vehicle Financing • 50+ Free Interest Checking
• Consolidated Loans • VIP Free Interest Checking
• Credit Cards • Performance+ Checking
Whether you’re planning a vacation, buying a car, or taking
on a home improvement project, we can help find the loan
that best fits your financial needs.
HOME EqUITY LOANS AND LINES OF CREDIT Savings Options
The equity in your home is a powerful borrowing tool when
Invest in your future and start building your assets, protecting
you are looking to make a major purchase or just need extra
your capital and planning for your retirement.
money. You can finance up to 100% of available equity
based upon the assessed value of your home. Interest on HIGH YIELD SAVINGS ACCOUNTS
your home equity may even be tax deductible.* With a High Yield Savings account you’ll earn interest rates
Whether you’re looking to consolidate your bills or travel comparable to those of money market accounts while
the world, you can make the most of your equity with a keeping your funds liquid and easily accessible, with no
Great Western Bank Home Equity Loan or Line of Credit. withdrawal penalty.
Simply visit with one of our personal bankers for solutions • Tiered rate savings account
to all your borrowing needs. • No minimum balance to earn interest
• Funds totally liquid
AUTO LOANS AND RECREATIONAL VEHICLE FINANCING
• Free debit card with qualifying checking account
If you’re looking to buy a vehicle, we can help put you behind
• Automatic savings plan available
the wheel. Our fixed rate loans on both new and used
• Make up to six preauthorized withdrawals or automatic
vehicles are competitive with repayment terms that fit your
transfers per month, including those made by check or
budget.
debit card. Transactions unlimited when made in person.
CONSOLIDATION • Interest paid quarterly
We understand money management can be difficult at
CERTIFICATES OF DEPOSIT (CD)
times. We can help get you back on the right track with
loan and debt consolidation. Complemented with other Investing your funds in one of our Certificates of Deposit
Great Western Bank products, consolidation can help you means your money is secure while earning a guaranteed rate
achieve and maintain financial stability. Talk with a banker of return.
today about consolidation, money management and financial • Highly competitive rates
stability. • Raise Your Rate Option on CDs with a maturity of 24
months to 60 months
CREDIT CARDS
• Action CDs available
At Great Western Bank, we offer competitive rates and cards • Tiered rate pricing
with no annual fee. Having a credit card as part of your • Interest compounded annually and/or at maturity
banking relationship with us simply helps you keep your • Length of term ranges from 7 days to 5 years
finances organized and in one place. Ask your banker which • Minimum deposit of $500
card would work best for you and your current financial • Automatically renewable
situation. • Penalty for early withdrawal
*Consult your tax advisor.
GREAT KIDS SAVINGS
Teach your children the importance of saving money, Individual Retirement Accounts
and planning for the future.
An Individual Retirement Account (IRA) is a great way to save
• Ages 12 & under for your future. Choose the IRA that best fits your individual
• No minimum balance needs.
• No opening balance
• Membership expires at age 18 TRADITIONAL IRAs
A Traditional IRA is most commonly used to save money for
your retirement, educational expenses, or a first-time home
Online Banking purchase.
• No fees to maintain your account
Make managing your finances easier with free Online
• No fees for transfers or rollovers at maturity
Banking. No matter if you are at home, at the office or on
• Penalty-free withdrawals for college expenses or purchases
vacation, if you have access to the Internet, you can get
of your first home*
real-time information on your accounts, 24 hours a day.
*Consult your tax advisor.
ONLINE BILL PAY
Simplify your life with Online Bill Pay. You can make, COVERDELL EDUCATION SAVINGS ACCOUNT
schedule, or view past payments anytime, anywhere with A Coverdell Education Savings Account is one of the best
Internet access. It’s convenient, safe, and secure. Getting ways to save for any educational purpose.
started is easy. Call your personal banker today. • Educational uses are tax-free
• Contribute up to maximum amount allowed by law per
ONLINE STATEMENTS
child, per year. Funds must be redeemed before the child
Start saving thousands of trees each year with Online reaches age 30.
Statements. Online Statements are electronic versions of • No fees to maintain your account
your regular paper statements, but unlike paper, they are • No fees for transfers of rollovers at maturity
less likely to get lost or damaged, create no paper waste, • Penalty for early withdrawal
take up no filing space and are instantly accessible anytime,
anywhere. Sign up for Online Statements through your ROTH IRAs
Online Banking account. The Roth IRA is a secure way to save for retirement. All your
withdrawals are tax-free when retirement age is reached.
• You select the term of the IRA
Wealth Management • No fees to maintain your account
• No fees for transfers or rollovers at maturity
Our Wealth Management team is focused on creating, • Penalty-free withdrawal for college expenses or purchase
maintaining, and preserving wealth as you prepare to pass of your first home**
it on to future generations. Our years of experience will **Any money withdrawn is still taxable as regular income and may be subject to bank
guide you to reach the short-term and long-term goals for penalty.
your future.
• Trust Division
• Investment Management
• Estate Planning Health Savings Accounts
• Foundations
• Personal Trusts TIRED OF RISING HEALTH INSURANCE COSTS?
• Charitable Trusts A Great Western Bank HSA operates much like an IRA for
• Retirement Trusts medical expenses, and can be used only with a qualifying
• Investment Management Group* High-Deductible Health Plan (HDHP). Ask for details.
• Private Banking • Tax-free benefits
• Investment Center* • Flexibility in spending
• Year-to-year savings
*Not FDIC insured, may lose value, no bank guarantee. Securities
• Individual ownership (you keep any money not spent)
Through Spectrum Capital, Inc. Member FINRA/SIPC.
• Contribution options