|
|
Standard Savings |
At a Glance |
Basic savings account with a lower maintenance fee than other accounts.
|
| Best
For |
Consumers wanting to invest smaller amounts of money while maintaining limited access to their funds. This account is popular with family members wanting to open an account for minors.
|
| Features |
 | Monthly maintenance fee is waived for minors. |
|
| Minimum
Balance |
$300.00 minimum balance required.
|
| Fees |
$3.00 monthly maintenance fee if minimum ledger balance less than
$300.00
$2.00 service charge per withdrawal after three per quarter.
Click here for current rate information.
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Money Max Accounts |
At a Glance |
Money Max is a checking and savings account package providing a checking account with no monthly maintenance fee and a savings account earning better than market rate interest.
|
| Best
For |
Consumers who want to maximize their earnings potential while maintaining access to their funds.
|
| Features |
| No monthly maintenance fee on checking account. |
| Accounts may be linked to provide overdraft protection. |
|
| Minimum
Balance |
$2500.00 minimum balance required in Money Max savings account.
|
| Fees |
$5.00 monthly fee if minimum savings balance is less than
$2500.00
$2.00 service fee per savings withdrawal or transfer after three per
month.
If the savings balance remains below
$2500.00 for a 90 day period, both accounts or converted to standard accounts.
Click here for current rate information.
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Christmas Club Savings |
At a Glance |
A
basic savings account plan with transfer amounts selected
by the customer.
|
| Best
For |
Consumers
who want to save money throughout the year for their
holiday expenses. Also great for Business customers who
need additional cash around the holidays for expenses.
|
| Features |
| Convenient
automatic transfers from existing checking accounts. |
| No monthly fees
or transfer fees. |
| Fits any size
budget because transfer amounts are selected by the
customer. |
| Earns a
variable rate of interest on daily balances. |
|
| Minimum
Balance |
No
minimum balance required.
|
| Fees |
$5.00
Early Closure Fee.
(account closed within 6 months of first transfer).
Transfers can be
stopped without closing account.
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I.R.A (Individual Retirement Account) |
At a Glance |
Individual Retirement Accounts that are FDIC insured are available for several purposes ranging from Tax-Deferred Accounts, Tax-Free Beneficiaries, and Education.
|
| Best
For |
Consumers wanting to save money for retirement or educational expenses.
|
| Features |
| Customers may choose between fixed rate investments for 6
months, 12 months, 2 years, 3 years or 5 years or variable rate investments for 18 months,
3 years or 5 years. |
|
| Minimum
Balance |
$50.00 to open an account. Contributions are capped at $2,000.00 per year per individual.
|
| Fees |
Early withdrawal penalties apply. Penalty for early withdrawal is
3 months of interest plus applicable IRS penalties of 10%. Please contact our IRA Administrator or a customer service representative for more information about applicable fees and
terms.
Click here for current rate information.
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Vacation
Clubs
|
At a Glance
|
We
offer three different vacation clubs: Winter, Spring
and Fall. These are basic savings account plans with
transfer amounts selected by the customer. |
|
Best
For
|
Consumers
who want to save money throughout the year for their
vacation expenses.
|
|
Features
|
Vacations
are unique as our customers. This is why we offer a
choice of three different plans to fit individual
needs.
| Convenient automatic transfers
from existing checking accounts. |
| No monthly fees or transfer
fees. |
| Fits any budget because
transfer amounts are selected by the customer. |
| Earns a variable rate of
interest on daily balances. |
|
|
Minimum
Balance
|
No
minimum balance required. |
|
Fees
|
$5.00
Early Closure Fee
(account closed within 6 months of first transfer)
Transfers can be stopped without
closing account.
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