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Savings Accounts

We offer two types of savings accounts.

Statement Savings Account

A statement savings account is a variable rate, interest bearing account from which available funds on deposit can be withdrawn by presenting a properly completed withdrawal request form to one of our tellers. No more than six (6) pre-authorized transfers are allowed during the statement cycle. Statement savings accounts are subject to transfer limitations disclosed below.

Details:

  • A Statement Savings account may be opened with a deposit of $100 or more.
  • The Minimum Balance to obtain the annual percentage yield is $100.00.
  • No interest is earned when the account balance falls below $100.00.
  • Our Statement Savings is a variable rate account which means that the interest rate and the annual percentage yield may change at any time at our discretion.
  • Effective dated transactions and service fees may reduce your annual percentage yield.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.
  • The number of preauthorized or automatic transfers, Point-of Sale withdrawals (which are considered to be preauthorized transfers) per statement cycle are limited by Federal Law.

Passbook Savings Account

A passbook savings account is a variable rate, interest-bearing account from which available funds on deposit can be withdrawn by presenting a properly completed withdrawal request form to one of our tellers.

Details:

  •  A Passbook Savings account may be opened with a deposit of $250 or more.
  • The Minimum Balance, for individuals 18 years of age or younger and for Senior Citizens, 62 years of age who are signing up for Direct Deposit, is $100.00.
  • The Minimum Balance to obtain the annual percentage yield is $100.00. No interest is earned when the account balance falls below $100.00.
  • Our Passbook Savings is a variable rate account which means that the interest rate and the annual percentage yield may change at any time at our discretion.
  • Effective dated transactions and service fees may reduce your annual percentage yield.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.
  • Deposits and withdrawals may be made at any time for $5.00 or more. We do not accept preauthorized debits to this account.

Please refer to our current Terms and Conditions of your Deposit Accounts booklet and our current Schedule of Fees regarding these accounts.

Savings Account Comparison

Account
Details

Statement
Savings

Passbook
Savings

Minimum Opening Balance $100$250
Minimum Balance to Earn APY $100$100
Variable Rate check

The daily balance method is used to calculate the interest on your account.

check

The daily balance method is used to calculate the interest on your account.

Below Minimum Balance Fee $3.00/mo.$3.00/mo.
Preauthorized Transfers Allowed No more than six (6) pre-authorized transfers per statement cycle.Deposits and withdrawals may be made at any time for $5.00 or more.