Savings
(we help you plan for your family's future)
Earn dividends with an average daily balance as low as $100.
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Teach your kids how to manage money by helping them open their own savings account. Account options: Star Savers (for children from birth to 17 years old) and TeenLink (for kids 13 to 17). A minimum account opening balance of $5.Click here for more information.
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Holiday purchases, vacation getaways - whatever your future holds, you can reach it quicker with these accounts featuring higher dividends and limited withdrawal privileges.
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Save on retirement with IRAs by letting the power of tax-deferred earnings or tax-free earnings (in a Roth IRA) increase your retirement funds and possible tax-deductible contributions (in a Traditional IRA). You can choose from a variety of services and investments choices.
Traditional IRA - offers independence, immediate tax benefits, accessibility to funds, and flexibility.
Roth IRA - gives you the ability to invest your after-tax-dollars today, let investment grow tax-deferred, and take qualifying withdrawals tax-free.
SEPs - designed for small business owners and offers tax-deferred earning for the employee and tax-deductible contributions for the company.
A minimum investment of $2,500 allows you to access a premium dividend rate that is higher than our regular savings rate.
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A Powerful NEW Indexed Money Market Account:
Open a NEW Investor’s Money Market high-yield account and put some muscle behind your cash!
- Based on the iMoneyNet, Inc. Money Fund Report AveragesTM Index
- Rate adjusts weekly with the Money Fund Averages
- No monthly service fee with average monthly balance of $25,000 or more
- Just $500 to open
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Terms range from three months to five years with minimum deposits starting at $500. Jumbo Certificates also available. Check here for short-term CD special offer.
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Certificate Laddering**
Say you have $100,000 that you want to invest, but are wary of the stock market. Or just don't want to tie all your money up for a long period of time. With Certificate Laddering, you spread out the funds over a five-year timeframe. For example:
$20,000 goes into a one-year Certificate $20,000 goes into a two-year Certificate $20,000 goes into a three-year Certificate $20,000 goes into a four-year Certificate $20,000 goes into a five-year Certificate |
What this does is allow you to take advantage of our higher rate five-year Certificate while maintaining liquidity from year to year because one of the Certificates will mature each year. When each one matures, you simply renew it into a five-year Certificate. You keep the best rates and the fund availability you want.
**A penalty will be imposed for early withdrawal. Refer to the Truth-In-Savings disclosure in the “Understanding Your Certificate Account” brochure for details.