Savings Accounts

Compare Accounts

Variable Rate IRA

  • Minimum to open $0
  • No minimum required balance
  • Please call for interest rate/APY*
  • Withdrawing prior to maturity will result in penalty equaling 9 months interest
  • No monthly, annual, or transaction fees. $50 transfer out fee may apply
  • Early withdrawal penalty will be waived if over 59 1/2 years of age. If under age 59 1/2, IRS penalty may also apply
  • Interest is compounded quarterly

Coverdell Education Savings Account

  • Minimum to open $0
  • No minimum required balance
  • Please call for interest rate/APY*
  • Withdrawing prior to maturity will result in penalty equaling 9 months interest
  • No monthly, annual, or transaction fees. $50 transfer out fee may apply
  • Early withdrawal penalty will be waived if funds are used for qualified education expenses
  • Interest is compounded quarterly

Savings

  • Minimum to open $25
  • $25 average daily balance
  • Please call for interest rate/APY*
  • No early withdrawal penalties
  • A maintenance fee of $1 will be imposed every monthly statement cycle that balance falls below requirements
  • Interest is compounded monthly

Holiday Savings

  • Minimum to open $25
  • $25 average daily balance
  • Please call for interest rate/APY*
  • Withdrawing prior to maturity will result in a fee of $10 per withdrawal
  • A maintenance fee of $1 will be imposed every monthly statement cycle that balance falls below requirements
  • Check will be printed each year on November1st for the account balance and mailed to the customer
  • Interest is compounded monthly

Health Savings Account

  • Minimum to open  $0
  • No minimum required balance
  • Please call for interest rate/APY*
  • No early withdrawal penalties
  • A $25 opening fee is assessed on new HSAs. First order of checks is free; thereafter, the cost of checks applies

  • HSAs are subject to all applicable IRS rules & regulations
  • Interest is compounded monthly
*Annual Percentage Yield

Personal Savings and IRAs Accounts Comparison Chart

 Variable Rate IRA (including Traditional,
Roth, SEP and Simple)

Coverdell Education Savings Account

SavingsHoliday SavingsHealth Savings
Account
Minimum to Open

$0

$0 

$25

$25 $0
Minimum Balance Required $0 $0 $25 average daily balance $25 average daily balance $0
Interest Rate/APY* Please Call    

Early Withdrawal Penalties

Withdrawing prior to maturity will result in penalty equaling 9 months interest (unless exception applies - see "Other Account
Information" below)

 N/A

Withdrawing  prior to maturity will result in a fee of $10 per withdrawal N/A

Fees

No monthly, annual, or transaction fees. $50 transfer out fee may apply.

A maintenance fee of $1 will be imposed every monthly statement cycle that balance falls below requirements (see "Minimum Balance Required" above)

A $25 opening fee is assessed on new HSAs.

First order of checks is free; thereafter, the cost of checks applies

Other Account Information

  • Interest compounded quarterly
  • Early withdrawal penalty will be waived if over 59 1/2 years of age.
    If under age 59 1/2, IRS penalty may also apply
  • Interest compounded quarterly
  • Early withdrawal penalty will be waived if funds are used for qualified education expenses
  • Interest compounded monthly
  • Interest compounded monthly
  • Check will be printed
    each year on November 1st
    for the account balance and
    mailed to the customer
  • Interest  compounded monthly
  • HSAs are subject to all
    applicable IRS rules & regulations

*Annual Percentage Yield

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