FDIC-Insured - Backed by the full faith and credit of the U.S. GovernmentSavings 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 November 1 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
Personal Savings and IRAs Accounts Comparison Chart
| Features | Variable Rate IRA (including Traditional, Roth, SEP and Simple) | Coverdell Education Savings Account | Savings | Holiday Savings | Health 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 | Please Call | Please Call | Please Call | 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) | 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. | 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 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 |
Checking Accounts
Regular Checking
Minimum to open $0
No minimum required balance
Interest rate/APY** does not apply
No monthly fees
NOW Checking
Minimum to open $0**
$900 minimum daily ledger balance or $1,500 average available balance
Please call for interest rate/APY**
A maintenance fee of $6 will be imposed every statement cycle that balance falls below listed requirements
Interest is compounded monthly
NOW Senior Citizens Checking
Minimum to open $0**
$500 minimum daily ledger balance or $850 average available balance
Please call for interest rate/APY**
A maintenance fee of $6 will be imposed every statement cycle that balance falls below listed requirements
Must be 62 years of age or older to open account
Interest is compounded monthly
Super NOW Checking
Minimum to open $2,500
$2,500 minimum daily ledger balance
Please call for interest rate/APY**
A maintenance fee of $6 will be imposed every statement cycle that balance falls below listed requirements
Tiered interest rate compounded monthly
A $0.20 fee per item will be imposed after 21 items (per month)
HiFi Money Market Account
Minimum to open $2,500
$2,500 minimum daily ledger balance
Please call for interest rate/APY**
A maintenance fee of $6 will be imposed every statement cycle that balance falls below listed requirements
Tiered interest rate compounded monthly
Complementary first book of checks
**Service charge could be assessed - see "Monthly Fees".
Personal Checking Accounts Comparison Chart
| Features | Regular Checking | NOW Checking | NOW Senior Citizens Checking | Super NOW Checking | HiFi Money Market Account |
|---|---|---|---|---|---|
| Minimum to Open | $0 | $0** | $0** | $2,500 | $2,500 |
| Minimum Balance Required | None | $900 minimum daily ledger balance or $1,500 average available balance | $500 minimum daily ledger balance or $850 average available balance | $2,500 minimum daily ledger balance | $2,500 minimum daily ledger balance |
| Interest Rate/APY** | N/A | Please Call | Please Call | Please Call | Please Call |
| Monthly Fees:
A maintenance fee might be imposed every statement cycle that balance falls below listed requirements (see "Minimum Balance Required" above) |
None | Maintenance fee of $6 | Maintenance fee of $6 | Maintenance fee of $6 | Maintenance fee of $6 |
| Other Account Information | N/A | Interest is compounded monthly | Must be 62 years of age or older to open account Interest is compounded monthly | Tiered interest rate compounded monthly A $0.20 fee per item will be imposed after 21 items (per month) | Tiered interest rate compounded monthly Complementary first book of checks |
**service charge could be assessed - see "Monthly Fees"
Certificates of Deposit
91-Day Certificate
Minimum to open $5,000
$5,000 required minimum balance
Please call for interest rate/APY**
Withdrawing prior to maturity will result in penalty equaling 3 months interest
If you choose, your account will automatically renew at maturity
You will have a 10-day grace period after maturity to withdraw funds with no penalty
You may choose to have a single maturity on your account
Interest is compounded or paid at maturity
6-Month Certificate
Minimum to open $5,000
$5,000 required minimum balance
Please call for interest rate/APY**
Withdrawing prior to maturity will result in penalty equaling 3 months interest
If you choose, your account will automatically renew at maturity
You will have a 10-day grace period after maturity to withdraw funds with no penalty
You may choose to have a single maturity on your account
Interest is compounded or paid quarterly
12-Month Certificate
Minimum to open $500
$500 required minimum balance
Please call for interest rate/APY**
Withdrawing prior to maturity will result in penalty equaling 6 months interest
If you choose, your account will automatically renew at maturity
You will have a 10-day grace period after maturity to withdraw funds with no penalty
You may choose to have a single maturity on your account
Interest is compounded or paid quarterly
18-Month Certificate
Minimum to open $1,000
$1,000 required minimum balance
Please call for interest rate/APY**
Withdrawing prior to maturity will result in penalty equaling 9 months interest
If you choose, your account will automatically renew at maturity
You will have a 10-day grace period after maturity to withdraw funds with no penalty
You may choose to have a single maturity on your account
Interest is compounded or paid quarterly
36-Month Certificate
Minimum to open $1,000
$1,000 required minimum balance
Please call for interest rate/APY**
Withdrawing prior to maturity will result in penalty equaling 18 months interest
If you choose, your account will automatically renew at maturity
You will have a 10-day grace period after maturity to withdraw funds with no penalty
You may choose to have a single maturity on your account
Interest is compounded or paid quarterly
60-Month Certificate
Minimum to open $5,000
$5,000 required minimum balance
Please call for interest rate/APY**
Withdrawing prior to maturity will result in penalty equaling 24 months interest
If you choose, your account will automatically renew at maturity
You will have a 10-day grace period after maturity to withdraw funds with no penalty
You may choose to have a single maturity on your account
Interest is compounded or paid quarterly
Certificate of Deposits Comparison Chart
| Features | 91-Day Certificate | 6-Month Certificate | 12-Month Certificate | 18-Month Certificate | 36-Month Certificate | 60-Month Certificate |
|---|---|---|---|---|---|---|
| Minimum to Open | $5,000 | $5,000 | $500 | $1,000 | $1,000 | $5,000 |
| Minimum Balance Required | $5,000 | $5,000 | $500 | $1,000 | $1,000 | $5,000 |
| Interest Rate/APY** | Please Call | Please Call | Please Call | Please Call | Please Call | Please Call |
| Early Withdrawal Penalties:
Withdrawing prior to maturity will result in penalty equaling: |
Penalty equaling 3 months interest | Penalty equaling 3 months interest | Penalty equaling 6 months interest | Penalty equaling 9 months interest | Penalty equaling 18 months interest | Penalty equaling 24 months interest |
| More Account Information | Interest is compounded or paid at maturity | Interest is compounded or paid quarterly | Interest is compounded or paid quarterly | Interest is compounded or paid quarterly | Interest is compounded or paid quarterly | Interest is compounded or paid quarterly |
Information applicable to all accounts:
If you choose, your account will automatically renew at maturity.
You will have a 10-day grace period after maturity to withdraw funds with no penalty.
You may choose to have a single maturity on your account.