Savings/MMDAs/CDs/IRAs

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Just Savings

Features:

  • $100 minimum opening deposit
  • Interest Bearing; No minimum daily balance required to earn interest      
  • Quarterly Minimum Balance Service Charge of $3 if the daily balance drops below $100 any day of the quarter 
  • May make 4 withdrawals each quarter; each subsequent withdrawal is $1
  • Transactions in person, at a teller, and ATM are unlimited.  Other transaction limits apply; refer to account disclosures.  Excess transactions may require a change to another eligible account, closure of account or removal of transfer capabilities

Minor Savings 

Features:

  • $5 minimum opening deposit
  • Interest Bearing; No minimum daily balance required to earn interest      
  • No service charge
  • Transactions in person, at a teller, and ATM are unlimited.  Other transaction limits apply; refer to account disclosures.  Excess transactions may require a change to another eligible account, closure of account or removal of transfer capabilities. 
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Christmas Club 

Features:

  • $5 minimum opening deposit
  • Interest Bearing; No minimum daily balance required to earn interest      
  • No service charge
  • Account balance payout issued by check each November
  • Excess transactions could lead to account closure

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Money Market 

Features:

  • $2,500 minimum opening deposit
  • Interest Bearing; No minimum daily balance required to earn interest      
  • Monthly Minimum Balance Service Charge of $10 if the daily balance drops below $2,500 any day of the statement cycle
  • Unlimited deposits
  • Transactions in person, at a teller, and ATM are unlimited.  Other transaction limits apply; refer to account disclosures.  Excess transactions may require a change to another eligible account, closure of account or removal of transfer capabilities

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Certificates of Deposit

Features:

  • $1,000 minimum opening deposit
  • Interest Bearing        
  • Flexible terms that range from 7 days to 5 years
  • Early withdrawal penalties will be imposed        

       

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Individual Retirement Account 

Features:

  • $100 minimum opening deposit
  • Interest Bearing; No minimum daily balance required to earn interest
  • Flexible terms are available – 90 days, 12, 18, and 36 months
  • Qualifying additional deposits may be made at any time
  • Early withdrawal penalties will be imposed