Savings Accounts
Account Options for All Ages
Comparison table of personal savings accounts
| |
Smart Savings |
Money Market Savings |
Junior Savings |
Christmas Club Savings |
| Ideal customer |
For savers who maintain lower balances |
For savers who maintain higher balances and want a higher interest rate |
For savers who are 18 years old or younger |
For savers who want to set aside money for the holidays at a premium interest rate |
| Minimum opening deposit |
$10 |
$1,000 |
$10 |
$10 |
| Monthly balance to maintain |
$10 |
$1,000 |
None! |
None! |
| Monthly fee |
$1 (if account balance falls below $100) |
$2 (if account balance falls below $1,000) |
None! |
None! ($5 dormancy fee charged if account is dormant for 1 year) |
| Number of free withdrawals per month |
unlimited |
3 (additional withdrawals cost $1 each) |
unlimited |
None (full balance is sent via check in mid-October) |
| Free Online Banking |
 |
|
|
|
| Free direct deposit |
|
|
|
|
| Savers card incentive (to earn gift certificates to local businesses) |
|
|
|
|
Savings Accounts
Comparison table of Savings Accounts
| Savings |
Min. Opening Deposit |
Interest Rate |
APY* |
| Smart Savings |
$10.00 |
0.20% |
0.20% |
| Money Market Savings |
$1,000.00 |
0.55% |
0.55% |
| Junior Savers |
$0.00 |
1.00% |
1.00% |
| Christmas Club Savings |
$0.00 |
2.30% |
2.32% |
Interest Rates as of December 1, 2025.
