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Save For a Rainy Day or a Holiday

Our simple savings accounts are the perfect place to store your emergency fund. Ask a relationship banker about setting up an automatic sweep from your savings to your checking accounts and you'll save on overdraft charges as well. We can't promise you won't have rainy days, but we can give you some protection.

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Regular Savings Account

This account provides unlimited access to funds while earning a competitive rate of interest with a low minimum balance.

Features and Benefits:

  • Easy cash access
  • Minimum initial deposit - $100
  • Overdraft protection can be tied to checking
  • No service fee when average daily balance of $50 is maintained for the quarter
  • Interest is compounded quarterly on daily balance
  • Interest rate and annual percentage yield may change daily

Transactions

  • Unlimited withdrawals allowed in person, by mail, by ATM. 
  • Limitations: Transfers from Savings account to another account or to third parties by preauthorized, automatic, or telephone (including data transmission) transfer are limited to six each 4 weeks with no transfers allowed by check, draft, debit card, or similar order to third parties.

Fees

  • Average daily balance below $50 per calendar quarter: $3
  • Withdrawals or transfers in excess of 18 per quarter: $1 each


Minor Savings (Up to age 18)

  • Minimum Initial Deposit - $5
  • No quarterly service fee until age 18. Account will revert to traditional savings at age 18.
  • Interest is compounded quarterly based on daily balance
  • Interest rate and annual percentage yield may change daily
Transactions

  • Unlimited withdrawals allowed in person, by mail, by ATM. 
  • Limitations: Transfers from Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six each 4 weeks with no transfers allowed by check, draft, debit card, or similar order to third parties.

Fees

  • Withdrawals or transfers in excess of 18 per quarter: $1 each


Christmas Club Accounts

A great way to put away a little each week and be prepared for the next holiday.

  • Earn higher interest than traditional savings
  • Deposits automatically transferred from your checking or savings account 
  • Deposit amounts are $5, $10, or any increment of $10 per week. 
  • Interest paid at maturity by direct deposit


Money Market Accounts
Secure Savings with Better Interest

Allows access to funds while earning competitive interest rates. Money Market is a limited checking account which earns a variable rate of interest.

Features and Benefits:

  • Minimum Opening deposit of $2,500 or more
  • Monthly statements that summarize all activity
  • Free ATM/Check Card
  • Interest is calculated on the average daily balance
  • Interest rate and annual percentage yield may change daily 
  • Monthly statements that summarize all activity. Images are returned in the statement

Transactions

  • Unlimited transfers or withdrawals allowed in person, by mail, by ATM. 
  • Limitations: Transfers from Money Market account to another account or to third parties by pre-authorized, automatic, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card, or similar order (including POS transaction) are limited to six each 4 weeks.

Fees

Monthly service fee is based on minimum daily balance.

  • $2,500 or more - No Fee
  • Below $2,500 - $10
Withdrawals or transfers in excess of 6 per statement cycle: $2 each


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