Savings / IRAs

Variable Rate IRA (including Traditional,
Roth, SEP and Simple)
Coverdell Education Savings Account Savings Holiday Savings Health Savings
Account
Minimum to
Open
None None $25.00 $25.00 None
Minimum Balance
Required
None None $25.00 average daily balance $25.00 average daily balance None
Interest Rate / APY* Please call Please call Please call Please call Please call
Early Withdrawal Penalties Withdrawing prior to maturity will result in penalty equaling 6 months interest (unless exception applies--see "Other Account
Information" below.)
N/A Withdrawing money prior to the maturity date (October 31st each year) will result in an early withdrawal fee of $10.00 per withdrawal. N/A
Fees No Fees on IRAs or CESAs A maintenance fee of $1.00 will be imposed every monthly statement cycle that balance falls below requirements (see "Minimum Balance Required" above) A maintenance fee of $1.00 will be imposed every monthly statement cycle that balance falls below requirements (see "Minimum Balance Required" above)

A $25.00 opening fee is
assessed on new HSAs.

First 50 checks are free; thereafter
 the cost of checks applies.

Other Account
Information

Early withdrawal penalty will be waived if over 59 1/2 years of age.
If under age 59 1/2, IRS penalty may also apply.

Interest is compounded quarterly

$50 Transfer out fee may apply

Early withdrawal penalty will be waived if  funds are used for qualified education expenses

Interest is compounded quarterly

Interest compounded monthly

Limits on number of
automatic transactions
(per Federal Regulations)

Check will be issued
each year on October 31st
for the account balance and
mailed to the customer.

Interest compounded monthly.

Limits on number of
automatic transactions
(per Federal Regulations)

HSAs are subject to all
applicable IRS  rules
& regulations.

Interest is compounded monthly


*Annual Percentage Yield