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Personal Savings, CDs, and IRAs
Whether you would like to have money saved away for a special purchase, an emergency or for long-term financial planning, we have the accounts to help you achieve your goals. All of our accounts earn competitive rates of interest, offer easy ways to avoid monthly charges, and are FDIC-insured up to $250,000.
Regular Savings
Earn interest with a low minimum balance.
- $25 opening deposit
- Competitive interest and no monthly service charge if $200 balance maintained (otherwise $4)
- Two free withdrawals per month ($3 each thereafter)
- Free Internet B@nking and Bill P@y
- Interest is compounded daily and credited quarterly
- Transfer limits apply1
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Prime Savings
Earn competitive or preferred rates of interest through our tiered interest structure.
- $2,500 opening deposit
- No monthly service charge if $200 balance maintained (otherwise $4)
- Preferred interest rate on balances $5,000 and greater
- Two free withdrawals per month ($3 each thereafter)
- Free Internet B@nking and Bill P@y
- Interest is compounded daily and credited quarterly
- Transfer limits apply1
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Children’s Savings (SMART Savings)
This account helps children save for future needs.
- $25 opening deposit
- No minimum balance
- Two free withdrawals per month ($3 each thereafter)
- May grow tax-free2 until the child reaches age 18
- Interest is compounded daily and credited quarterly
- Transfer limits apply1
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Christmas Club Account
Save money, earn interest and receive a check in early November to begin your holiday shopping.
- $25 opening deposit
- $3 account fee (waived if final check exceeds $100)
- $10 penalty for early withdrawal
- Interest is compounded daily using collected balance and credited annually
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Money Market Account
Enjoy competitive interest with limited accessibility on a higher savings balance.
- $2,500 opening deposit
- No monthly service charge if $1,000 balance maintained
- Transfer limits apply1
- Interest is compounded daily using collected balance and credited monthly
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Certificate of Deposit (CD) – Regular and IRA
This account offers interest through various maturity terms when
withdrawals aren’t needed.
- $500 opening deposit
- Interest is compounded daily using collected balance
- Tax2 is deferred on IRA CD interest
- Penalty applies for early withdrawal
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Money Market IRA
This account allows for flexible retirement savings with unlimited contributions.
- $100 opening deposit
- Competitive interest
- IRS penalties may apply for early withdrawals
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Certificate of Deposit Account Registry Service® (CDARS)
When maintaining FDIC insurance is a concern for deposits greater than $250,000, we work with member banks to insure up to $50 million of your money in safe increments. We do all of this while managing all accounts through a single banking relationship. |
1 Six preauthorized, automatic or telephone transfers to another account or third parties are permitted per statement cycle, with not more than three by check, draft or similar order.
2 Consult with your tax advisor about the benefits available to you.
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