Personal Savings Accounts
Take a step toward attaining your financial goals. Your savings account is easily accessible for making withdrawals, deposits and transfers.
Regular Savings
- Requires $100 minimum opening deposit
- Interest will be compounded every quarter and interest will be credited quarterly
- If you close your account before interest is credited, you will not receive accrued interest
- Automatic transfer available
- Service Charge:
- $2 if balance falls below $100 any day of the month
- $1 each withdrawal/transfer exceeding two per month
Insured Money Market Fund
- Requires $2,000 opening deposit
- Interest will be compounded every month and credited to your account monthly
- Maintain a $2,000 minimum daily balance
- Service Charge:
- $10 if balance falls below $2,000
- $2.50 per check that exceeds six per statement cycle
Health Savings Account
- Requires $100 opening deposit
- Interest bearing
- Use for any qualifying medical expenses
- Save for future medical expenses
- Contributions may be tax deductible
- Earnings may be tax deferred
- Tax free withdrawals for qualified medical expenses
- Account can grow with investment earnings
- A service charge of $1 applies to each check that exceeds 5 per statement cycle
- Competitive interest rates
- $25 annual service charge
Certificates of Deposit
- Fixed rates
- Terms from seven days to five years
- Penalty for early withdrawal
- Automatically renewable
- Minimum opening deposit required
- Some terms allow for additional deposits
- Bump Up CD (may bump up to current interest rate once)
- Fees could reduce earnings
Real Club
- Earn a higher yield on savings (rates subject to change)
- Save for real estate taxes
- Save for vacation
- Four withdrawals/transfers per year with a $10 service charge for exceeding limit
- Automatic transfer available
- Interest rate changes when balance exceeds $5,000
Christmas Club
- Receive your Christmas Club check at the end of October
- Earn a higher yield on your savings (rates subject to change)
- Automatic transfer available
- Interest rate changes when balance exceeds $5,000.00
- Four withdrawals per year with a $10 service charge for exceeding limit
