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Personal Savings

You know what you want from a savings account.  Whether you are saving for a special purchase or planning for retirement, we understand all of the reasons you save, and we provide a variety of flexible options to meet your needs.

Savings

  • Unlimited ATM access and in person withdrawals
  • Visa Debit available for ATM withdrawals
  • Free Online & Phone Banking
  • Free iStatement
  • With Premium Savings you get higher interest for higher balances. *$5.00 monthly fee if balance falls below $5,000

Certificates of Deposit

  • $500 minimum balance
  • Competitive rate of interest, compounded daily
  • Flexible terms - from one month to five years
  • Fixed interest rates to avoid market fluctuations
  • Automatic renewal option available on all selected accounts

First Choice Money Market

    • Competitive rate of interest, compounded daily
    • Earn higher rates of return as your balance grows
    • Visa Debit Card available
    • Unlimited ATM access and in-person withdrawals
    • Make up to six transfers or payments per statement cycle
    • Free Online & Phone banking available
    • Bill Pay Services available
    • Free iStatement
    • Avoid a $10 monthly service charge by maintaining an average daily balance of $5,000

Individual Retirement Accounts*

    • IRA CDs provide: competitive interest compounded daily
    • Flexible terms, from we months to five years.
    • $500 minimum balance
    • Automatic renewal available on selected accounts
    • First Choice IRA is a tiered rate IRA deposit account.
    • First Choice has a competitive rate of interest compounded daily
    • Open ended account with no maturity date with higher rates of return as your balance grows
    • Free iStatement
    • No minimum required to open a First Choice IRA

Holiday Clubs

    • You chose the amount you wish to deposit
    • Automatic Transfer available
    • Competitive rate of interest, compounded daily
    • No minimum amount of deposits required
    • Terms generally run from October to October



*Self-directed IRAs, SEPs and SIMPLE IRAs are also available to our customers. Additional terms and fees may apply to these products. If you are not certain about your eligibility to open an IRA, consult your accountant or financial advisor.

 

Savings Calculator

Use this tool to help create your savings strategy!

 

Deposit Account Rates


Notes: There is a Minimum Opening Deposit of $5,000.00 Minimum Opening Deposit for First Choice Money Market, and no minimum for Holiday Club and all Savings Accounts. Fees could reduce the earnings on your account. Interest is calculated using the Daily Balance Method. For tiered accounts, the interest rate and APY shown apply to the entire balance in the account. For complete account information please see our Deposit Account Agreement & Disclosure document.

Certificates of Deposit

Notes: There is a minimum deposit of $500.00 required to open an account. A penalty may be imposed for early withdrawal. A withdrawal of interest will reduce your earnings; all interest earned must remain on deposit for twelve months in order to obtain the disclosed APY. Jumbo CDs ($90,000+) add 0.10% to above rates.
*At your discretion, you may make one interest rate change during the first two years of the contract. Minimum of $2500.00 required to open CD. A penalty may be imposed for early withdrawal. A withdrawal of interest will reduce your earnings; all interest earned must remain on deposit for twelve months in order to obtain disclosed APY. Eligible for business and personal accounts.
APY = Annual Percentage Yield. Interest Rates and Annual Percentage Yields are accurate as of the date shown above. Interest Rates and APYs are variable at the discretion of the Bank and may change at any time. Please contact a Banking Associate for current rates and complete account disclosures.