Savings Accounts, CDs, and IRA Services

Hi-Fi Money Market Account

Rate can vary weekly based on market rates (tiered rate schedule based on daily ending balance)
Easy liquidity with attractive earnings
$1,000 initial minimum deposit
$1,000 minimum daily balance*
Three free withdrawals by check per month**
Unlimited in-person intra bank transfers to other accounts, cash withdrawals, or ATM withdrawals
Monthly account statements

Personal Savings Accounts

$10 initial minimum deposit
Interest paid quarterly
Three free withdrawals per month***
Quarterly account statements
$1.00 fee per month if balance falls below $50****
$1.00 fee per month for dormant savings accounts (no activity for 2 years or more) if balance is less than $200****

Certificates of Deposit

Guaranteed rate of return
Various levels of minimum deposit ($100, $1000, and $5000)
Variety of interest payment options
Early withdrawal penalties may apply as required by Federal Banking regulations

Tax-Advantaged Accounts–IRA, HSA, SEP

Tax-sheltered retirement investment accounts (IRA) featuring
Traditional or Roth accounts
Competitive interest rates based on current market conditions
No management fees; flexible payment option accounts
Fully insured to the legal limit by FDIC
SEP – Self-employed pension accounts
HSA – Health savings accounts

Ask us how to maximize your FDIC deposit insurance

* $10.00 service charge if min. daily balance falls below $1,000
** Over three, $3.00 per check fee
*** Over three, $1.00 per withdrawal fee
**** Except for a minor account held for those under age 18