Products at a Glance

You've worked hard to build your savings. And we have the tools to help your money work for you.

Features and Details Statement Savings Christmas Club Spirit Savings Kids' Club CDARS Savings Money Market
Interest Credit Monthly Monthly Monthly Monthly Monthly Monthly
Minimum to Open $300 $10 $100 $25 $10,000 $2,500
Minimum to Earn Interest None None None None None Tiered
ATM No
Can only be issued if 16 years old or older
No No No
Monthly Charges -When and Why $5 if balance falls below $300 at any time during the month $5 if balance falls below $40 between Jan. and Sept. $5 if balance falls below $100 at any time during the month $5 if balance falls below $25 at any time during the month None $7 if balance falls below $2,500 at any time during the month
Additional Information Debit card available. Reg D limits any third party or automatic transfers. After three Reg D excess warnings the account must be changed to a transactional checking. No withdrawals allowed. Funds disbursed full account balance issued in October. Same account can be used every year/not closed w/zero balance. Deposit must be made by last business day of January or the account will be closed. For children aged 13 through 18. At 19, will be changed to Statement Savings.  Debit card available for owners 16 and older. For minors through 12 years old. Additional perks - piggy bank, stickers, birthday card, newsletter. Businesses must have CDARS CD(s) to have this account and vice versa. 6 Preauthorized transactions/withdrawals per month. If limit is exceeded, customer is charged $15 per excess. Reg D limits any third party or automatic transfers. After three Reg D excess warnings the account must be changed to a transactional checking.
Interest Rates See current rates See current rates See current rates See current rates See current rates Call for
rates
  full summary full summary full summary full summary full summary full
summary