Compare Savings Accounts

Select Your Savings Strategy

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	$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)	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.	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	A $5 service charge applies if the account is closed within 90 days of the opening date. 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	Account must be withdrawn or transferred to a Regular Savings Account by age 21.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.

IMPORTANT INFORMATION ABOUT OPENING A LEGAL ENTITY ACCOUNT

Effective May 11, 2018, all banks will be subject to new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for each individuals that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity if you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

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