Checking, savings, home loans and cards, at 61 offices across Tennessee, north Georgia and north Alabama, and wherever you happen to be standing.
No monthly fee, no minimum balance, and four non-Calder ATM transactions a cycle before a fee applies. Compare checking accounts
Statement Savings, Premier Money Market and certificates from three to sixty months. The 13-month Valley Bonus certificate is paying 4.30% APY through September 30, 2026 on new money. See rates
Fixed, adjustable, construction and lot loans, underwritten here. Apply or ask a question
Three consumer credit cards and the debit card that comes with your checking account. See card terms
| Product | Term | APY1 |
|---|---|---|
| Valley Bonus Certificate2 | 13 months | 4.30% |
| Certificate of Deposit | 12 months | 4.05% |
| Certificate of Deposit | 24 months | 3.85% |
| Premier Money Market | N/A | 3.40% |
| Statement Savings | N/A | 0.75% |
Annual Percentage Yield accurate as of 08/01/2026. Rates are subject to change without notice, and rates on savings and money market accounts may change after the account is opened. Fees may reduce earnings. See Savings and Certificates for balance tiers, minimum balance requirements and the full Truth in Savings disclosure.
You can open a checking or savings account online in about ten minutes if you are 18 or older, have a Social Security number and a current government-issued photo identification, and are opening the account for yourself. Joint accounts with more than two owners, accounts for a minor, accounts under a power of attorney, trust accounts and accounts for a client who does not have a U.S. address are opened in an office.
Bring the identification and a second form of identification if you have one. If you are moving an account from another institution, the switch kit is worth ten minutes of your time: it produces the letters and the direct deposit form, and it is the part people forget until the second month.
We operate 74 ATMs at our offices and at nine locations that are not offices, including the Erlanger campus, the Hamilton Place mall entrance nearest the food court, and the Whitfield County courthouse annex. Deposits are accepted at 52 of them and are credited the same business day when made before 8:00 p.m. Eastern.
Mobile check deposit is available to any consumer account open at least 30 days, with a limit of $2,500 per day and $5,000 per rolling 30 days, raised to $10,000 and $25,000 on Premier Checking. Endorse the check, add the words "for mobile deposit only at Calder" under your signature, and keep the paper check for 14 days before destroying it. We ask for that endorsement because a check deposited twice by accident is a problem we would rather prevent than research.
Deposits are insured by the Federal Deposit Insurance Corporation up to $250,000 per depositor, per insured institution, for each account ownership category. Coverage is not per account, which is the misunderstanding that costs people money: three single-name accounts held by the same person at the same bank share one $250,000 limit, while a single account, a joint account and a revocable trust account are three separate categories and are insured separately.
| Ownership category | Coverage |
|---|---|
| Single accounts | $250,000 per owner, all single accounts combined |
| Joint accounts | $250,000 per co-owner, in addition to single account coverage |
| Revocable trust accounts, including payable on death | $250,000 per owner per eligible beneficiary, up to five beneficiaries under the current rule |
| Certain retirement accounts, including IRAs | $250,000 per owner, separate from other categories |
| Irrevocable trust accounts | Coverage depends on the structure; ask us and we will work it out with you |
Trust and investment accounts administered by our Wealth and Trust division are not deposits and are not insured by the FDIC, except to the extent the account holds a deposit at this bank. Any office can walk through your coverage with you, and the FDIC publishes an estimator that does the same arithmetic.
Deposit accounts can be opened online in about ten minutes, or at any of our offices during lobby hours.