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Personal Savings
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Regular
Passbook Savings |
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Features use of traditional savings passbook!
Account holders 18 years and younger have no minimum opening deposit and earn interest on entire balance.
Annual statement. Minimum opening deposit $50. |
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Monthly
Average Collected Balance |
Interest
Rate |
Monthly Service Charge |
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$100 and
up |
Market |
None |
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Five teller withdrawals allowed per month - $1 for each thereafter. 5 ATM withdrawals per month - $1 each thereafter. Savings overdrawn charge is $30. Inactive fee after 1 year is $7 per month.
Interest begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items. |
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Premium
Passbook Savings |
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Premium Passbook Savings account requires a minimum opening deposit of $15,000 to obtain the APY posted at the time opening. Regular Passbook Savings Guidelines apply. |
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Monthly
Average Collected Balance |
Interest
Rate |
Monthly Service Charge |
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$15,000 and up |
Market |
None |
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$100-14,999 |
Passbook
Rate |
None |
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$0-$100 |
* |
None |
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Federal regulations limit the number of pre-authorized transfers on Regular and Premium Passbook Savings accounts to 6 per month, including EFT. Unlimited withdrawals in person or by mail. (May be subject to service fees.) |
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Christmas
Club Savings |
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Christmas Clubs are still available from your hometown bank!
Coupon or Passbook format. Contact the bank for additional details. |
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Monthly
Average Collected Balance |
Interest
Rate |
Monthly Service Charge |
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$1.00 and
up |
Market |
None |
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Individual
Retirement Accounts |
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A
variety of investment options are available, including self-directed, to help you plan for retirement. Attractive rates & terms available.
Contact a Deposit Counselor for more information. |
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Certificates
of Deposit |
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Interest by check, transfer or add to face.
Varying maturities and amounts. Minimum deposit $1,000. Auto renewal. Early withdrawal penalty. Interest begins to accrue on the business day you deposit non-cash items and will be credited to your account according to certificate terms. |
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