PERSONAL BANKING – Savings / Money Market

 

Money Market Regular Savings Christmas/ Vacation Club Savings Sav-A-Saurus
Kids Club
Health Savings Account (HSA)
Opening Balance Requirement $1,000 $100 $1 $5 $100
Monthly Fee $2 if average daily balance falls below $1,000 $2 if average daily balance falls below $100 None No None
Minimum Balance to Avoid Monthly Fees $1,000 $100 No No No
Interest Earning Yes Yes No Yes Yes
Deposit Limits Yes* No No No No
Withdrawal Limits Yes* Yes Yes* Yes No
Additional Benefits Online Banking, Debit Card Online Banking, ATM Card Online Banking Online Banking Online Banking, Debit Card

*See Terms and Conditions of the Account

Money Market

  • Interest† compounded & credited monthly
  • Interest paid on a 3-tier basis
  • Monthly Service charge of $2.00 imposed if average daily balance falls below $1,000.00
  • Limited to 6 transfers or withdrawals per month
  • Fee of $7.50 for each debit transaction over six during the statement cycle

 

 

Regular Savings

  • Interest† compounded & credited to your account quarterly
  • Monthly Service charge of $2.00 imposed if balance falls below $100.00
  • Limited to 6 transfers or withdrawals per month by electronic means
  • Fee is waived for account holders age 62 and older, or 17 and under **
  • Quarterly Statement
  • $100.00 deposit required to open account

Christmas/Vacation Club

  • Make 49 consecutive and timely deposits of the same amount and we will make the 50th deposit of the same amount for you
  • Not automatically renewable
  • No withdrawals permitted before maturity
  • $1.00 deposit required to open account

Sav-A-Saurus Kids Club

  • Interest† compounded & credited to your account quarterly
  • Must be 12 and under**
  • Quarterly newsletters
  • Toy with each $5.00 deposit
  • Limited to 6 transfers or withdrawals per month by electronic means
  • $5.00 deposit required to open account

Health Savings Account (HSA)

  • Interest† compounded & credited quarterly (See rates for current rate information)
  • Free Online Banking
  • Free HSA Debit Card
  • First 25 HSA check FREE
  • No monthly service charge
  • No minimum balance
  • Unlimited check writing
  • Monthly statement
  • $100.00 minimum deposit required to open

†Variable interest rate may be changed at any time
**Account holder must notify the bank upon change of status