Savings & CDs

Build an emergency fund or plan for the future.

• ​Interest-bearing account*
• Monthly statement if you have electronic transactions; quarterly statements if there are zero electronic transactions during a cycle
• $100 minimum to open ​ ​
• No minimum balance required
• Withdrawals limited to 6 per calendar month
  • An excess debit fee of $3 for each withdrawal in excess of six per calendar month
• The account earns interest based on the average collected daily balance
• Quarterly statements (or E-Statements) 
• Interest is compounded and credited to account every statement cycle**

*Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is quarterly.

**Interest compounded and credited quarterly. Interest rate and annual percentage yields subject to change at any time. Interest is calculated by the average daily balance method. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. Accounts closed prior to interest paid will forfeit accrued interest.

Click here for current rates

Educate your child about the importance of saving money.

• Children 13 years old or younger can open this account
• Upon reaching age 14, the account will revert to a personal savings account
•  $15 minimum to open
• Withdrawals limited to 6 per calendar month
  • An excess debit fee of $3 for each withdrawal in excess of six per calendar month
• Account earns interest based on the average collected daily balance*
• Interest is compounded and credited quarterly**
• Quarterly statements (or E-Statements) 

*Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is quarterly.

**Interest compounded and credited quarterly. Interest rate and annual percentage yields subject to change at any time. Interest is calculated by the average daily balance method. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. Accounts closed prior to interest paid will forfeit accrued interest.

Click here for current rates

Saving for the holidays, made easy.

• Interest-bearing account*

• No monthly maintenance fees

• No minimum balance required to open 

• The entire balance plus accrued interest in the account will be disbursed on November 1 each year.** No additional withdrawals are permissible on this account type. ​ ​
• Annual statement (or E-Statement) is available 

*Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is yearly.

**Interest compounded and credited yearly. Interest rate and annual percentage yields subject to change at any time. Interest is calculated by the average daily balance method. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. Accounts closed prior to interest paid will forfeit accrued interest.

Sign up todayClick here for current rates

Plan the vacation of your dreams.

Easily save money for your next vacation

• Interest-bearing account*

• No monthly maintenance fees

• No minimum balance required to open 

• The entire balance plus accrued interest in the account will be disbursed on May 1 each year.** No additional withdrawals are permissible on this account type. ​  ​

• Annual statement (or E-Statement) is available 

*Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is yearly.

**Interest compounded and credited yearly. Interest rate and annual percentage yields subject to change at any time. Interest is calculated by the average daily balance method. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. Accounts closed prior to interest paid will forfeit accrued interest.

Sign up todayClick here for current rates

Save now for a better future. 

• Make deposits at any time (electronic or otherwise) 
• No minimum or maximum balance
• Account matures upon high school graduation or equivalent
  • Funds will accrue earnings for 10 calendar days, after which the funds will remain in the account without accruing any additional earnings 
• May be used to help pay for college tuition, car, home, travel, and more
• Can be started at any time before a child turns 18
• **Interest compounded quarterly
• Penalty for early withdrawal will equal 12 months of accrued interest
• Automatic yearly renewal

Enroll today   Click here for current rates

Interest compounded quarterly. 1-year penalty for early withdrawal. Automatic renewal. Account matures upon graduation or equivalent. Joint account required. No min or max balance. Unlimited deposits. Rates subject to change at any time.

Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. 

**Interest compounded and credited quarterly. Interest rate and annual percentage yields subject to change at any time. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. 

Grow your savings with compound interest**.

• Variety of terms available
• $500 deposit required to open 

• Automatically renews at maturity ​ ​

• A grace period of 10 calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty
• Interest can be:
  • Compounded back to CD monthly, quarterly, semi-annually, or annually
  • Paid monthly, quarterly, semi-annually, or annually by a deposit to a checking, savings accounts or check
• Early withdrawal penalties*

Set up today Click here for current rates

Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. 

**Interest compounded and credited quarterly. Interest rate and annual percentage yields subject to change at any time. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. 

*A penalty may be imposed for withdrawals before maturity. The penalty will equal six months interest on the amount withdrawn subject to penalty for 3, 6, 12, 18, 24, and 36 month CDs. The penalty will equal 12 months interest on the amount withdrawn subject to penalty for 48 and 60 month CDs. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA, Keogh or other tax-qualified plan.

Receive tax advantages while saving in a safe & secure way.

• Both Roth and Traditional IRAs available
• $500 contribution to open a CD IRA; $100 contribution to open an Easy IRA
• Variety of terms available 
• Deposits (contributions) to your IRA may be made up to the maximum annual amount allowed as determined by the Federal Government

• Deposits to an IRA CD may be made at renewal, or you can open an additional IRA CD at any time

• Deposits to an Easy IRA allow unlimited deposits of $25 or more up to your maximum annual amount allowed as determined by the Federal government.
• Automatically renews at maturity

  • A notice will be sent to you 10 days before your maturity date. Upon maturity of your IRA CD a second notice will be mailed showing a 10 day grace period. You will have 10 days to make an additional contribution, transfer funds, or withdraw funds.

• Contributions may be tax-deductible
• Early withdrawal penalties may apply***

Set up today  Click here for current rates

Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. 

**Interest compounded and credited quarterly. Interest rate and annual percentage yields subject to change at any time. Interest will begin to accrue the business day credit is received for the deposit of non-cash items. 

***A penalty may be imposed for withdrawals before maturity. The penalty will equal six months interest on the amount withdrawn subject to penalty for 3, 6, 12, 18, 24, and 36 month CDs. The penalty will equal 12 months interest on the amount withdrawn subject to penalty for 48 and 60 month CDs. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires the waiver of the early withdrawal penalty. Other exceptions may also apply, for example if this is part of an IRA or tax-deferred savings plan. See your plan disclosure if this account is part of an IRA, Keogh or other tax-qualified plan.

Always consult your tax advisor about tax benefits and the deductibility of contributions.