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Personal Savings Accounts

Account Features Statement Savings Premium Money
Market
Christmas Club
Savings
Junior Savings 
Minimum to Open $25 $2,500 None $5
Minimum Daily Balance Maintain a $250 average daily balance to avoid monthly service fee. Maintain a $2,500 average daily balance to avoid monthly service fee. None None
Interest(1) Interest paid quarterly. Interest paid monthly.
Tiered Rate Schedule.
Interest paid annually. Interest paid annually.
Monthly Service Fee(2) $2.00 per month. $7.50 per month. None None
Processing Fees(2) 6 FREE withdrawals or debits per month. $1 each additional.(3) 6 FREE withdrawals or debits per month. $5 each additional.(3) $15 penalty on all withdrawals before first of November each year.(3) 6 FREE withdrawals or debits per month. $1 each additional.(3)
Online Banking FREE FREE FREE FREE
24-Hour TeleBank Yes Yes Yes Yes
Bill Pay N/A

$3.95 per month. FREE with 1 or more transactions per month.

N/A N/A
Statements Quarterly statement. (Monthly with ACH or ATM activity.) Monthly statement with images. Annual statement. Quarterly statement.

IMPORTANT NOTES:

(1) We use the average daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

(2) Sales tax applies.

(3) You may make no more than six (6) transfers and/or withdrawals during any one (1) calendar month or statement cycle to another of your accounts with us or to a third party by preauthorized, automatic, online or telephone transfer.

 

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