Please look over our selection of savings accounts and see which one(s) are right for you!

• Regular Savings
• Student Savings
• HIFI (Money Market) Savings
• Christmas Club

REGULAR SAVINGS

$50 minimum to open account.
$50 minimum balance to avoid fees – If the balance falls below $50.00 any day of the statement cycle, your account will be charged a $1.00 balance fee.
Interest is compounded daily and credited to your account quarterly.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ATM card available 6 months after account is opened and in good standing .
Transaction limitations – Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per month with no transfers by check, draft, debit card or similar order to third parties.
You must maintain a minimum of $50.00 in the account to earn the Annual Percentage Yield.
Direct deposit available.
Fees may affect earnings on this account.
Interest rate is variable, and may change at any time - please see our Interest Rate Page for details.

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STUDENT SAVINGS ACCOUNT

$50 minimum to open account.
No minimum balance required
Interest is compounded daily and credited to your account quarterly
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
ATM card available 6 months after account is opened and in good standing
Transaction limitations – Transfers from a Student Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per month with no transfers by check, draft, debit card or similar order to third parties.
Upon your 25th birthday or completion of schooling (whichever comes first) your account will be changed to a REGULAR SAVINGS.
Direct Deposit available.
Fees may affect earnings on this account.
Interest rate is variable and may change at any time - please see our Interest Rate Page for details.

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HIFI (MONEY MARKET) SAVINGS

$2,500 minimum to open account.
Tiered interest rates - please see our Interest Rate Page to determine the interest rate that you would be earning.
Interest is compounded daily and credited every month to your account.
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Fees may affect earnings on this account.
Transaction limitations – You are authorized to make no more than 6 transfers and withdrawals, or a combination of such transfers and withdrawals from a HiFi account per statement cycle. No more than 3 of the 6 such transfers can be made by check, draft, debit card, or similar order made by you and payable to third parties.
ATM or Debit card available 6 months after account is opened and in good standing.
Debit card requires credit approval.
Direct Deposit available.
Interest rates are variable and may change at any time - Please see our Interest Rate Page for details.

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CHRISTMAS CLUB SAVINGS

We have two (2) Christmas club savings accounts to serve your needs.

Choose the $250 or $500 account.

Minimum balance to deposit is $5 or $10.
No minimum deposit after account is opened.

If any withdrawals are made on this account before November, this account may be closed.

Bonus – You make 49 deposits on either plan and we will make the 50th for you!

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FUNDS AVAILABILITY POLICY
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the fifth business day of deposit.

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