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Personal Savings

Build your savings for today and tomorrow. Save and grow your money for your everyday finances now, and for longer-term needs down the road. Whether you’re tucking away a few dollars for a big vacation, building up an emergency fund or planning ahead for education or retirement expenses, we offer a wide range of savings accounts that are specially designed to help you meet your savings goals.

Money MarketSavingsHealth Savings Account (HSA)*Christmas Club
Minimum Balance to Open$1,000$100 (or $10 if under 18)None$250 ($5/week), $500 ($10/week), $1,000 ($20/week)**
Monthly Service Charge$6 if average daily balance falls below $1,000None for those younger than 18 or 65 and older; $3 if average daily balance falls below $100NoneNone
Earns InterestYes, with average daily balance of $1,000 or greaterYes, with balance of $100 or greaterYesNo
Interest AccrualCompounded daily, credited monthlyCompounded daily, credited quarterlyCompounded daily, credited monthlyNone
Free Online Banking and e-StatementsYesYesYesYes
Free Mobile BankingYesYesYesYes
Free ChecksFree first box when account is openedN/AFree first box when account is openedN/A
Combined Monthly StatementYesYesYesYes
Transaction LimitationsSix withdrawals or preauthorized transfers per monthSix withdrawals or preauthorized transfers per monthUnlimited check writing; debit card provided with approved applicationAccount may be closed if any withdrawal is made before maturity
Debit CardNoNoYesNo

*A Health Savings Account must be tied to a High Deductible Health Plan.

**Make 49 consecutive weekly deposits and receive 50th deposit.

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