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Comparison table of personal savings accounts
  Regular Savings Young Peoples Investment Plan Christmas Club Certificates of Deposit
Account Description Earn a competitive interest rate. Commit to saving for your child’s future needs; earns better interest than the Regular Savings Account. Spread your Christmas expenses throughout the year. Earn the most for your money.
Minimum to Open $100 (waived for minors) $250 $10 $1,000 (most accounts)
Minimum Daily Balance (to avoid Minimum Balance fee) $100 (waived for minors) N/A N/A N/A
Minimum Balance Fee $1/month (if daily balance falls below $100 & waived for minors) N/A N/A N/A
Interest Bearing Account Variable Variable and tiered Variable See rates
Daily Minimum to Earn APY* $10 $10 $10 N/A
Withdrawal Information A $1 service charge per withdrawal applies after the fifth withdrawal of the calendar month. (waived for minors) Penalty may be imposed for withdrawal prior to age 18. Penalty for early withdrawal may be applied. Penalty for early withdrawal will be applied.
Additional Information Free ATM Card. Account must be withdrawn or transferred to a Regular Savings Account by age 21. We will send you a Christmas check plus interest. Most CDs automatically renew for your convenience.


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