Regular Savings

• Minimum balance to open is $100
• Balance earns interest
  
• Unlimited deposits and in person withdrawals
  
• No monthly fees
  
• Interest paid quarterly

Christmas Club

• No minimum balance
• Balance earns interest. Interest can only be earned on up to $10,000
• Interest paid annually
• There is a $5 charge for each withdrawal
• Account balance cannot exceed $10,000
• Interest earned subject to deposit limitations

Community Kids Club

• Minimum balance to open $10
• Balance earns interest
• Interest paid quarterly

Teacher’s Savings

• Minimum balance to open $100
• Total balance in account cannot exceed $5,000
• Interest paid quarterly
• No monthly fee

Certificates of Deposit

• Competitive interest rates
• Minimum balance $1,000
• Maturities from 30 days to 5 years
• No deposits or withdrawals during the term
  
• May be a penalty for early withdrawal

Traditional IRAs

• Minimum balance to open $100
• Rates may be fixed or variable
• Maturities may range from 3 months to 5 years
• Contributions may be tax deductible
• Earnings are tax deferred
• May be a penalty for early withdrawal

Roth IRAs

• Minimum balance to open is $100
• Rates may be fixed or variable
• Maturities may range from 3 months to 5 years
• Earnings are tax free
• May be a penalty for early withdrawal