Consumer Savings plans

Listed below are the different savings accounts we have available.

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Thrift
$50 daily minimum balance requirement
•	Variable interest rate
•	Interest compounded monthly *
•	$1 monthly service charge if balance falls below $50

Regular Savings
$200 daily minimum balance requirement
•	Variable interest rate
•	Interest compounded monthly *
•	$1 monthly service charge if balance falls below $200
•	No minimum balance or monthly service charge for customers 18 & under and 60 & older

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MMIS (Money Market Insured Savings)
$2,500 daily minimum balance requirement
•	A higher interest rate is given for balances of $10,000 or more
•	Variable interest rate
•	Interest compounded monthly *
•	$1 monthly service charge if balance falls below $200
•	If balance falls below $2500, interest rate will convert to regular savings interest rate

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MMG (Money Market Gold Savings)
$25,000 daily minimum balance requirement
•	Variable interest rate subject to change at any time
•	Interest compounded monthly *
•	$10 monthly service charge if balance falls below $25,000
•	Current market rates with liquidity

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Certificates of Deposit
•	6 month to 60 month terms
•	Competitive interest rates
•	$500 minimum deposit
•	Interest compounded annually or at maturity if less than 12 month term
•	Penalty for early withdrawal
•	Several interest payment options

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Installment Certificate of Deposit
•	36 month term
•	180 day penalty for early withdrawal
•	$25 minimum deposit
•	Additional deposits can be made whenever and as often as you like
•	Interest rate based on 36 month CD rate and account balance

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IRA
•	Traditional
•	Roth
•	Education

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HSA (Health Savings Account)

Pay your medical expenses with a Health Savings Account. If you have a health insurance plan with a high deductible you can save for current and future qualified medical expenses on a tax deferred basis through an HSA. Learn more

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* Based on daily balance method