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Personal Savings IRA and CDs

 Personal Super Savings Money MarketPersonal SavingsIndividual Retirement Account (CD)Personal Freedom Time Account No Risk (CD)

Monthly Service Charge

$15

$6 per Quarter

No charge

No charge

How To Avoid Monthly Service Charge

Monthly service charge waived for maintaining an Average Daily Balance1 of $2,500 or more, or a minimum daily balance of $5,000 or more

Quarterly service charge waived for maintaining a minimum daily balance of $500 or more

Not applicable

Not applicable

Minimum Balance to Open

$100

$100

$500

$500

Features and Account Benefits

Pays Interest, Online Banking, Bill Pay, eStatements

Pays Interest, Online Banking, Quarterly Statements

Unlimited Deposits Available

Unlimited Deposits Available, One penalty-free withdrawal allowed during the term of the account

Transaction Restrictions and Limitations

Regulations prohibit no more than six (6)2 withdrawals or electronic transfers per month

Regulations prohibit no more than six (6)2 withdrawals or electronic transfers per month

Substantial penalty for early withdrawal terms and conditions may apply. Tax implications may apply3

Substantial penalty for early withdrawal after one penalty-free withdrawal during each term

Refer to Account Terms and Conditions
1. Average Daily Balance: The Average Daily Balance is calculated by adding the principal in the account for each day of the month and dividing that figure by the number of days in the month.
2. Six (6) covered transactions per calendar month (including pre-authorized debits, online banking transfers, payments to 3rd parties, telephone transfers, and point of sale transactions).
3. Tax Implications: Please consult a professional tax specialist for IRS rules governing Individual Retirement Accounts, including differences between Traditional IRA and Roth IRA tax treatments and IRS penalties on funds withdrawn from IRAs.
Member FDIC

Personal Savings IRA and CDs

 

 Select Personal Money MarketSelect Personal SavingsHealth Savings AccountSelect Individual Retirement Account (CD)Select Personal Freedom Time Account Regular (CD)

Monthly Service Charge

$10

$2

$4

No charge

No charge

How To Avoid Monthly Service Charge

See below1

Maintain an Average Daily Balance2 of $200 or more each month

Monthly service charge waived for maintaining an minimum daily balance of $2,000 or more or $4,000 Average Daily Balance2 or more each month

Not applicable

Not applicable

Minimum Balance to Open

$100

$100

$100

$500

$500

Features and Account Benefits

Pays Interest, Online Banking, Bill Pay, eStatements

Pays Interest, Online Banking

Pays Interest, Online Banking, Check Writing, Debit Card

Unlimited Deposits Available, Online Banking Access

Unlimited Deposits Available, Online Banking

Transaction Restrictions and Limitations

Regulations prohibit no more than six (6)3 withdrawals or electronic transfers per month

Regulations prohibit no more than six (6)3 withdrawals or electronic transfers per month

HSA terms and conditions apply. Corrections to reportable IRS activity for improper usage may be assessed a $25 fee

Substantial penalty for early withdrawal terms and conditions may apply. Tax implications may apply4

Substantial penalty for early withdrawal after one penalty-free withdrawal during each term

Refer to Account Terms and Conditions
1. Monthly service charge waived for maintaining an Average Daily Balance of $2,500 or more, or a Combined Average Daily Balance of $10,000 or more each month.
2. Average Daily Balance: The Average Daily Balance is calculated by adding the principal in the account for each day of the month and dividing that figure by the number of days in the month.
3. Six (6) covered transactions per calendar month (including preauthorized debits, online banking transfers, payments to 3rd parties, telephone transfers, and point of sale transactions).
4. Tax Implications: Please consult a professional tax specialist for IRS rules governing Individual Retirement Accounts, including differences between Traditional IRA and Roth IRA tax treatments and IRS penalties on funds withdrawn from IRAs.
Member FDIC

Please select your state.