Savings Accounts

Savings Account and Rate Summary

Rates effective 06/03/24

Account Type	Minimum Balance Required to Avoid Service Charge (minimum to open Account)	Monthly Service Charge	Minimum Balance to Earn APY¹	Interest Rate²	APY³	Additional Information
Simple Savings	$50	$1	$.01	.05%	.05%	Avoid service charge by maintaining minimum balance each day of the statement cycle.
Savvy Savings	$2,500	$5	$.01-$9,999.99 $10,000+	.09% .21%	.09% .21%	Avoid service charge by maintaining minimum balance each day of the statement cycle.
Minor Savings	N/A	$0	$.01-$1,000.00 $1,000.01+	3.00% .05%	2.96% .05%	-Youth Savings for customers 0-18 -When account holder turns 18, the account becomes a Simple Savings account.
Money Market Savings	$1,000	$7	$.01-$9,999.99 $10,000-$24,999.99 $25,000-$49,999.99 $50,000+	.05 .09 .21 .30	.05 .09 .21 .30	Avoid service charge by maintaining minimum balance each day of the statement cycle. Six free withdrawals each month.⁴
Performance Money Market Savings	$25,000	$10	$.01-$24,999.99 $25,000-$99,999.99 $100,000-$249,999.99 $250,000-$499,999.99 $500,000+	.05 .35 .75 1.49 2.23	.05 .35 .75 1.50 2.25	Avoid service charge by maintaining minimum balance each day of the statement cycle. Six free withdrawals each month.⁴

¹We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal balance in the account each day.

²Interest Rates are subject to change after Account is opened.

³APY = Annual Percentage Yield

⁴A fee of $6 per withdrawal if exceeds six withdrawals in a month. Withdrawals include: Check, Preauthorized or Automatic (ACH), online, sweep, or telephone transfers, debit card or similar order including POS (point of sale) or ATM (Automated Teller Machine).

Interest is compounded and credited monthly unless otherwise noted. Please see the Deposit Account Agreement & Disclosure for a listing of all terms and conditions. Fees could reduce earnings.

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