Regular Savings

• Minimum balance of $100
• No minimum balance for minors
• Tiered interest rates
• Interest paid monthly
• 2 free withdrawals per month
• May be tied to Checking Account for Auto Sweep

Insured Money Market Account (IMMA)

• Minimum balance of $2,500
• Tiered interest rates
• Check images with monthly statement
• An item fee will be charged when there is an excess of 6 debit transactions in a month
• Free Online Banking and Telephone Banking

Individual Retirement Account (IRA)

• Minimum Balance $100
• One year term- auto renewable
• Interest is compounded monthly
• Rate is variable- subject to change weekly
• Deposits may be made at anytime- can be automated
• Mandatory distributions may be automated
• Free Online Banking and Telephone Banking

Super Saver Certificate of Deposit

• Requires minimum of $100 to open
• 30 day term – auto renewal (3 day grace period)
• Can add money at any time
• Free Online Banking and Telephone Banking

Stash Your Cash Certificate of Deposit

• Requires minimum of $500 to open
• 6 month term- auto renewal (10 day grace period)
• Can add money at any time
• Free Online Banking and Telephone Banking

Certificates of Deposit - Fixed Rates

• Requires minimum of $1,000 to open
• Terms from one month to 5 years
• Auto renewal (10 day grace period)
• Interest can be paid at maturity or during the term

Certificates of Deposit - 1st FLEX (Variable Rate)

• Based on the Wall Street Journal Prime Rate less 2.00%
• Changes when Prime changes
• Term is 3 Years
• It is NOT auto renewable
• Floor of 2.00%APY
• Interest can be paid monthly, quarterly or annually

Health Savings Accounts

• Must participate in H.S.A. Qualified High Deductible Health Plan
• Interest bearing account
• Tiered interest rates
• No annual fee
• No administration fee
• No limit on withdrawals
• Free Online Banking and Telephone Banking
• Complimentary Visa Check Card or ATM Card

CDARS Certificates of Deposit -
access to multi million dollar FDIC insurance

• We are members of Promontory’s Certificate of Deposit Account Registry Service- allowing you to get up to 50 million dollars of FDIC insurance with:
• One Bank
• One Rate
• One Statement
• Your money can stay and work in your community
• Available at all our locations