Savings Accounts

Savings Account and Rate Summary

Rates effective 03/13/23

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
Regular Savings	$50*	$1	$200	.05%	.05%	-Monthly service charge applies only if balance drops below $50.00 any day of the month. -Must maintain daily balance of $200.00 to earn interest, which would be paid on the entire balance in the account.
Youth Savings	N/A	$0	.01	.05%	.05%	-Youth Savings for customers 0-18 -When account holder turns 18, the account becomes a Regular Savings account.
Wise Savings	$50*	$1	Tier 1: $.01- $24,999.99 Tier 2: $25,000-$49,999.99 Tier 3: $50,000-$74,999.99 Tier 4: $75,000-$149,999.99 Tier 5: $150,000.00 +	.09% .21% .30% .40% .48%	.09% .21% .30% .40% .48%	Monthly service charge applies only if balance drops below $50.00 any day of the month.
Core Savings	N/A	$5⁴	.01	.05%	.05%	⁴Limited to One withdrawal per month for no charge. -$5.00 charge for each additional withdrawal over one.

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

⁴Interest is compounded and credited quarterly 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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