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	$500 (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.	Account must be withdrawn or transferred to a Regular Savings Account by age 21.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.