Personal Savings

Three interest-bearing savings accounts for the beginning saver to the seasoned investor. Monthly fees waived for our customers under age 18 with Basic savings account.

  Basic Preferred Investor
Description Basic savings and
short-term needs
Earning better rates on higher balances Liquidity and premium rates on significant balances
Features Online banking
Basic savings rates
Online banking
Online banking
Tiered rates based upon
91 day US T-Bill
Monthly statement
Limited check-writing
Minimum Balance $50.00 $1,000.00 $25,000.00
None, or $5.00 if
below minimum
Waived for customers
under age 18
None, or $10.00 if
below minimum
None, or $25.00 if
below minimum
Activity Charges
Per Month*
5 free withdrawals;
then $1.00 each
5 free withdrawals;
then $1.00 each
Unlimited deposits and
withdrawals in person***
Interest paid... ** when minimum
exceeds $50.00
on four tiers starting
at $0.00, $1,000.00
$10,000.00 and $25,000.00
on three tiers starting
at $0.00, $25,000.00
and $50,000.00
Interest earned on...  daily collected balance; compounded and paid quarterly daily collected balance; compounded and paid quarterly  daily collected balance;
paid monthly

* Please see the miscellaneous fee schedule for other charges that may apply to these accounts.

** Please refer to our deposit account rates for current rate information on our interest bearing accounts. At our discretion, interest may change daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (i.e. checks).

*** Transfers from a savings account to another account or to third parties by pre-authorized automatic or telephone transfers are limited by Federal regulation to six per statement cycle.

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.