Personal Savings Accounts

Money Market

Tiered interest rates based on account balance
Online Banking at no charge
$1,000 opening deposit
$1,000 minimum balance (to avoid a $15 monthly maintenance fee)
$3 fee for withdrawals in excess of six per month**

Basic Savings

Earn interest on all balances
$100 opening deposit
$100 minimum balance (to avoid a $10 quarterly maintenance fee)
$3 fee for withdrawals in excess of six per quarter**

Certificates of Deposit (CDs)

Competitive interest rates based on amount of deposit and term of certificate
Different terms provide flexibility
Automatic renewal at maturity with a 10-day grace period
$500 minimum deposit
(Early withdrawals may incur a penalty.)

Individual Retirement Accounts (IRAs)

Traditional, Roth, and SEP
Possible tax savings (Consult your tax advisor about the right retirement savings plan for you.)
$500 opening deposit

Health Savings Account

If you have a high-deductible health insurance plan (HDHP), you may enjoy the benefits of a Health Savings Account (HSA). Eligible individuals may make contributions, and funds can be withdrawn for qualified medical expenses. In addition to a HDHP, you must have no other “first-dollar” medical coverage, not be enrolled in Medicare, and not be claimed as a dependent on someone else’s tax return. (Consult your tax advisor concerning your eligibility.) Click to learn more.

Receive interest on your HSA funds
Use an account-specific VISA® Debit Card
$100 opening deposit
$5 monthly maintenance fee

Holiday Club Account

Earn interest on all balances
Make unlimited deposits
Take withdrawals twice a year, if needed, without penalty or loss of interest**
Receive a check with the full balance of the funds in your account in mid-to late October
Enjoy shopping!

**Under Federal Regulation D, savings and money market accounts are restricted to six third-party withdrawals or pre-authorized transfers per statement cycle. All check withdrawals, as well as transfer withdrawals by telephone, online banking, wires or ACH, or other pre-authorized withdrawals, are included when counting the number of restricted withdrawals. Your account is monitored over a 12-month period. Exceeding these federally-
established withdrawal limits could cause us to move your account to a checking account, which allows unlimited withdrawals.

All accounts have free TeleBanc-account information available 24 hours a day 7 days a week by calling 800-597-0162.

For additional information on fees and other account terms, please review our Truth in Savings disclosure and Schedule of Fees.