Personal Savings Accounts

Regular Savings
- No minimum balance with a great interest rate

• No minimum balance
• Service charge of $1.00 per statement cycle if average balance
  falls below $50 (service charge is waived for accounts owned by minors under age 18)
• Tiered interest rates- variable rates reviewed weekly

Money Market Savings
- Minimum balance earns a higher rate of interest

• $1000 minimum balance
• $5 monthly service charge if average balance falls below $1000
• Tiered interest rates - variable rates reviewed weekly

Investment Savings
- High interest savings

• $5000 minimum balance
• $10 monthly service charge if average balance falls below $5000
• Tiered interest rates- variable rates reviewed weekly

Special Savings Plans

Soaring Eagles Club
- Kids savings club for children under age 12

• No minimum balance money market savings account
• Tiered interest rates-variable rates reviewed weekly
• Teaches children how to save
• Earn valuable rewards for reaching savings goals
• Free t-shirt for new members
• Quarterly newsletter and annual membership outing

Higher Learning Fund
- Higher education savings

• Parents or grandparents can help save for future educational expenses
• No minimum deposit required
• No monthly service charge
• High interest rate indexed to the WSJ Prime Rate – varies quarterly
• Withdrawals may not be made until the child reaches age 18
• Child does not need to attend college to receive the balance

Savings Certificates

• Tiered rates – reviewed weekly
• Six – 60-month terms
• $100 minimum balance
• Penalty for early withdrawal may apply

IRA Accounts

• Traditional, ROTH, SEP and Coverdell Education savings accounts
• Fixed interest rates reviewed weekly
• Six – 60-month terms
• $250 minimum to open

EZ IRA Accounts

• No minimum balance to open
• Variable rate of interest reviewed weekly
• 24-month term
• Additional deposits allowed at any time