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PERSONAL SAVINGS

Investor's Choice*
Earn more money with a premium rate of interest and have access to your money. $10,000.00 minimum daily balance requirement. If the balance falls below the minimum daily balance required during the statement cycle, the account reverts to the Everyday Savings rate for that statement cycle and is subject to a $5.00 service charge.

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Money Market Plus*
Earn more money with an affordable minimum balance requirement and great rate, while having total access to your money. A minimum $3,000.00 opening deposit is required. If your daily balance falls below $3,000.00 during the statement cycle, there is a $5.00 monthly service charge.

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Money Market*
Save money when you need it most and earn money while you are doing it. A minimum $1,000.00 opening deposit is required. If your daily balance falls below $1,000.00 during the statement cycle, there is a $5.00 monthly service charge.

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Everyday Savings*
Pay yourself first and have access to your money when you need it. A minimum $100.00 opening deposit is required. If your daily balance falls below $100.00 during the statement cycle, there is a $5.00 monthly service charge.

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Holiday Club*
Save for the holiday season year-round with very little effort! Only a $10.00 deposit is needed to open the account. There is an open withdrawal period from October through January for your shopping needs. Each withdrawal made outside the open withdrawal period will incur a $20.00 early withdrawal fee.

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Summer Club*
Make saving for summer vacations, weddings or warm weather projects easy with a Summer Club savings account. Only a $10.00 deposit is needed to open the account. There is an open withdrawal period from May through August. Each withdrawal made outside the open withdrawal period will incur a $20.00 early withdrawal fee.

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Star Savers*
Teach kids to start saving early! Excludively for savers age 17 or younger, this interest-bearing account requires no minimum daily balance. Only a $10.00 deposit is needed to open the account. When the account holder turns 18, the account graduates to an Everday Savings account.

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Certificates of Deposit (CD)
Put your money to work! A low $1,000.00 minimum balance accrues interest back to the CD or is credited to your checking or savings account. Various terms are available. Ask for more information regarding terms and current interest rates. CDs may be subject to an early withdrawal penalty.

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Individual Retirement Accounts (IRAs)
We offer Roth, Traditional, or Educational IRAs - all with low minimum balance requirements. Select from account options that allow you to make one annual contribution or multiple budget-friendly contributions. Ask for more information regarding terms and current interest rates. IRAs may be subject to an early withdrawal penalty. Transfer fees may apply.

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*Transfers from a savings or money market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check (money market accounts only), draft (money market accounts only), debit card (money market accounts only) or similar order to third parties (money market accounts only) are limited to six per month. A savings/money market totaling fee of $5.00 will be charged for each transaction in excess of six per month by means of withdrawal as listed above. Additional fees and restrictions may apply.



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