PERSONAL SAVINGS

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PERSONAL SAVINGS OPTIONS

REGULAR SAVINGS

Beginning to save, but not sure where to begin? Regular Savings is our tried and true savings account. You need just $25 to open an account, start saving and earning interest.

Whether saving is new to you, or you want easy access to your money, Regular Savings is a dependable and versatile account that fits into any savings plan. It’s FDIC insured, making it a dependable place to keep your money. It also offers unlimited withdrawals, so you can take out money whenever you need it. 

Take advantage of great features like:

  • Minimum of $25 to open an account
  • Unlimited in-person deposits and withdrawals
  • 24-hour ATM access
  • Competitive interest rate
  • FDIC insured
  • View balances or make transfers via online banking or mobile banking
  • Easy to link to your checking account for overdraft protection
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CERTIFICATES OF DEPOSIT (CD)

Have a bit bigger savings goal in mind? A CD* may be right for you. With a CD, you deposit your funds for a specific period of time, called a term. Your money earns interest, which can vary depending on the term of the CD. We offer terms that range from six months to five years, so you can pick the CD term that best fits your needs.

Our CDs provide competitive  interest rates to give you guaranteed earnings. Simply deposit at least $1,000, chose your term length, and start saving and earning. Then, at the end of the term you can automatically renew or withdraw your money with no penalty . Save for your first home, education expenses, or a family vacation. It's your CD, your dream…you decide.

Here’s why a CD may be right for you:

  • $1,000 minimum deposit to jump-start your savings
  • Higher interest earnings than most other savings options
  • Guaranteed competitive interest rates
  • FDIC insured
  • 24-hour account information with Online Banking and INFO Line
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SAVINGS FOR THE FUTURE CD

Saving isn’t easy. Between paying bills and covering various expenses, it can be a challenge to make ends meet every month and an even greater challenge to save money. Our Savings for the Future CD* is a great way to save a little each month so you can reach your goals.

Only $25 to open a Savings for the Future CD. You can add more savings as you go and set up an automatic transfer from your checking account. At the end of the one year term, you can automatically renew or withdraw your money with no penalty.

Maximize your savings with features like:

  • Minimum of $25 to open
  • Competitive fixed one-year interest rate
  • Automatic transfers from checking account
  • FDIC insured
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ULTIMATE MONEY MARKET

You can save and grow your money quickly and securely. The choice is simple. With our Ultimate Money Market, you get a competitive interest rate without risking your initial investment. It’s as good as a CD rate with greater flexibility.

An Ultimate Money Market account pays interest based on rates that move with the market. These interest rates are tiered, meaning they grow with your balance. You need just $2,500 to open and start earning, and you can take out your money whenever you want!

Get competitive interest rates without locking away your money:

  • Minimum of $2,500 to open
  • Daily access to your account through in-person withdrawals
  • Visa® Debit Card with 24-hour ATM access
  • Convenient check writing
  • Easy to link to your checking account for automatic transfers
  • Tiered interest rates that increase as your balance does 
  • FDIC insured

 

Limit of six pre-authorized, automatic, telephone or computer transfers per statement cycle.

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KIDS CLUB SAVINGS

Kids Club Savings teaches children how to save in a fun and rewarding way. Only $10 to open, so kids can start saving what’s in their piggy bank!

Like a typical savings account, a Kids Club Savings  earns interest and includes monthly statements with activity or a quarterly statement without activity. Kids can learn how interest works and keep track of how their money grows. For children 12 years old and under, a custodian is required to open an account and make transactions. And any adult—parent, grandparent, aunt or uncle—can open an account as a special gift for the children in his or her life.

Teach savings habits kids can take into adulthood:

  • Minimum of $10 to open
  • Unlimited in-person access to funds
  • Competitive interest rate

 

LEARN MORE

WHAT’S INCLUDED WITH OUR SAVINGS ACCOUNTS

 

Regular Savings

Certificates 
of Deposit (CD)

Savings for
the Future CD

Ultimate
Money Market

Kids Club

Access to funds

Unlimited in-person transactions

At the end of the term

At the end of the 1-year term

Unlimited in-person transactions

Unlimited in-person transactions

Minimum to open account

$25

$1,000

$25

$2,500

$10

Minimum to earn interest

$25

$1,000

$25

$0.01

$10

Interest credited

Monthly

Quarterly**

Quarterly

Monthly

Monthly

Monthly fees

$5 if daily balance falls below $25

N/A

N/A

$10 if average balance falls below $500

N/A

** At the end of the term for 6 month CDs

 

* Early withdrawal penalty is imposed on withdrawal of principal prior to maturity. 

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