Personal Savings Accounts

Regular Savings Account • No minimum balance required* • No monthly maintenance fee* • Interest bearing • Money Talks accessible, our 24 hour automated telephone customer service line (1-800-236-1653) • ATM (automated teller machine) and debit card accessible • Free on-line access • Quarterly statements, monthly if account has EFT (Electronic Funds Transfers) activity • Combined statements available Money Muncher Savings Account (Minors under age 18) • All features are the same as regular savings with the addition of an incentive program. See customer service or tellers for more information. Certificates of Deposit • 91 day through 5 year terms available • Interest bearing • Competitive rates IRAs (Individual Retirement Accounts) • 91 day through 5 year terms available • Interest bearing • Traditional and Roth accounts available • Competitive rates Other Deposit Accounts Available • HSAs (Health Savings Account) • Education IRAs • Christmas Clubs *An inactivity fee of $1 per month may be imposed on accounts with no deposit or withdrawal activity for six months or longer AND that have a balance of $10 or less.