Personal Banking

Personal Savings

If you are just starting to save, this account lets you start small, then build over time. Open this account and watch your hard-earned savings add up.

• An ideal way to start good savings habits
• Earns interest on smaller balances
• Ideal for balances less than $1,000
• $50 to open

First Step Savings

Even the youngest customer should take that first step toward big dreams. Our First Step account gets young investors started on the right track with a simple saving program.

• Teaches children the importance of saving
• Set up an auto savings transfer and their funds will grow with no worry about services charges
• Only $50 to open

Money Market

If you want to be able to get to your money while it grows, a Money Market account will give you the access you're looking for. Plus it rewards you with higher interest as your funds grow.

• Pays higher interest than traditional savings
• Greater freedom to access your money, even by check
• Rewards you with even higher rates as your balance grows
• Limited to 6 withdrawals per month
• $50 to open

Market Investment Savings

Grow your savings faster with even more attractive interest rates on higher balances while keeping ready access your money.

• Interest paid monthly instead of quarterly
• Free monthly statements and E-Statements
• Up to three free debits per month, and just $3 for each debit thereafter

Certificates of Deposit

There aren't too many sure things in life, but this is one of them. Your money goes in. Your interest adds up. Guaranteed. Now that's the kind of simplified banking we know you appreciate. It's a sure thing that also comes with some other neat benefits, including:

• Flexible terms from seven days to five years
• Competitive rates
• As with all your deposits, the security of FDIC Insurance

Taking The Right Steps Toward A Full Retirement

Individual Retirement Accounts

If you're like most people, you can't wait to retire. But the trick is putting enough away so that your retirement savings will last as long as you do! And hopefully you'll have enough to do the wonderful things that retirement life is all about. We've got the IRAs that will get you well on your way to enjoying some of the best years of your life.

IRAs At A Glance

Traditional IRA
Most traditional IRA account holders can deduct all, or part of, their contributions from their income taxes. And every traditional IRA gives you the advantage of tax-deferred compounding.

Roth IRA
This nondeductible account features tax-free withdrawals for certain distribution reasons after a five-year holding period.

Many investors open both a traditional IRA and a Roth IRA because it lets you develop your own blend of tax-deductible contributions to your traditional IRA and nondeductible contributions to your Roth IRA. We'll help you decide which is a greater priority for you: minimizing your taxes now through deduction or minimizing your taxes in the future with tax-free earnings.

DISCLAIMER: There is a substantial penalty for early withdrawal of IRA funds, including a tax penalty imposed by the IRS. Be sure to consult a tax advisor concerning the tax benefits of an IRA in your specific case.

Education Savings Account (ESA)

A college education is expensive, and making sure you have the funds to cover it takes a lot of planning. One good alternative is the Coverdell Education Savings Account (formally called the Education IRA), a very attractive savings vehicle for families who wish to save for ever-rising college expenses. It allows you to make an annual non-deductible contribution to a specially designed investment trust account in the name of your child or any other person you would like to help go to college. The account will grow free of federal income taxes, and withdrawals from the account can be completely tax-free as well.