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Regular Savings
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A popular account for those wanting to save for the future with
the added convenience of ATM access. The opening deposit is $100. A minimum balance
of $100 must be maintained to avoid a monthly service charge of $3. A maximum of 6
free withdrawals per month are allowed which include preauthorized transfers. Withdrawals
in excess of the 6 will be charged $1 per withdrawal.
Preauthorized, automatic or telephonic transfers are limited to 6 per month, no
more than 3 of which may be by draft, debit card or similar order to third parties.
After 6, a fee of $10 will be assessed per excessive withdrawal.
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Minor Savings
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A Minor Savings Account designed to help encourage
savings for young individuals, up to 18 years of age. And, to help get these young
savers off to a good start, there is no minimum opening deposit required, no minimum
balance requirement, and no monthly service charge. A maximum of 6 free withdrawals
per month are allowed which include preauthorized transfers. Withdrawals in excess
of the 6 will be charged $1 per withdrawal.
Preauthorized, automatic or telephonic transfers are limited to 6 per month, no
more than 3 of which may be by draft, debit card or similar order to third parties.
After 6, a fee of $10 will be assessed per; excessive withdrawal. This account will
be converted to a Regular Savings Account, after the individual reaches age 18.
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Certificates of Deposit
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Competitive rates and a wide variety of maturities
make our Certificates of Deposit a very attractive savings option. They can be purchased
for as little as $1,000.
Substantial penalty for early withdrawal.
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Jumbo CDs
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Also available in a wide variety of maturities
and competitive rates, Jumbo Certificates of Deposit beginning with a purchase amount
of $100,000.
Substantial penalty for early
withdrawal.
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Premium CDs
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Everything you've always wanted in a
sound investment and more! You can add to it with as little as $500 per deposit
(may not exceed 50% of the original or renewal face value of the CD) bump the rate
at your discretion once during the term of the CD, and even borrow against it if
the need arises! Minimum opening deposit of $10,000 for a one year term. See a Personal
Banker for complete details.
Substantial penalty for early withdrawal
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Individual Retirement Accounts
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Plan for a happy, secure retirement. Ask our
personal bankers for details on various investments, transfers, and rollover IRA
options.
Substantial penalty for early withdrawal.
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HSA Now Deposit (Health Savings Account)
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A Health Savings Account allows individuals
to pay for current health expenses and save for future qualified medical and retiree
health costs on a tax free basis. To be eligible for a Health Savings Account,
an individual must be covered by a Higher Deductible Health Plan (HDHP), must not
be covered by other health insurance, is not eligible for Medicare and can not be
claimed as a dependent on someone else's tax return.
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