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Personal Money Market Current rates The higher your balance, the higher the rate
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| • | Minimum opening deposit of $1,500 |
| • | Daily balance of $200 or more to earn a tiered rate of interest |
| • | Unlimited withdrawals/deposits in person; limited to six transfers/checks/electronic debits per month; checks and electronic debits are $2 each |
| • | $10/month service charge if balance falls below $5,000 |
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Regular Savings Current rates A classic way to save
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| • | Minimum opening deposit of $200 |
| • | All balances earn interest that is compounded quarterly |
| • | Nine free withdrawals per quarter; additional withdrawals are $1 each |
| • | Limit of 6 transfers/electronic debits per month |
| • | $9/quarter service charge if daily balance falls below $200 |
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Minor/Senior Savings Current rates Designed for those 18 and under or 55 and older
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| • | No minimum opening deposit |
| • | All balances earn interest that is compounded quarterly |
| • | Limit of 6 transfers/electronic debits per month |
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Christmas Club Current rates Always in season
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| • | Minimum opening deposit of $5 |
| • | Daily balances of $5 or more earn interest that is compounded quarterly |
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Health Savings Account Current rates Plan today for tomorrow
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| • | Any adult covered by a high-deductible health plan (and who has no other first-dollar coverage) may establish an HSA for future medical expenses. Contributions can be made by you, your employer or both. Amounts contributed to an HSA belong to the account holder and are completely portable. Funds in the account can grow tax-free through investment earnings, just like an IRA. |
| • | Minimum opening deposit of $100 |
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Certificates of Deposit Current rates 100% FDIC insured
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| • | Terms ranging from 3 months to 5 years |
| • | Jumbo certificates available |
| • | Interest compounded quarterly |
| • | Penalties may be enforced for early withdrawals |
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CD Manager If you have multiple certificates of deposit with different institutions and varying maturity dates, our CD Manager account can help maximize your investments by:
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| • | monitoring your CD portfolio |
| • | keeping track of maturity dates |
| • | finding the best local and national rates |
| • | providing one combined statement for all your CDs |
| • | informing you about withdrawal options to match your cash flow needs |
| • | consolidating tax reports into one 1099 form |
| *Certain fees may apply | |
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Individual Retirement Accounts Current rates Options for your retirement plan
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| • | Bank certificates of deposit |