Savings / IRAs

 Variable Rate IRA (including Traditional,
Roth, SEP and Simple)
Coverdell Education Savings AccountSavingsHoliday SavingsHealth Savings
Account
Minimum to
Open
NoneNone$25.00$25.00None
Minimum Balance
Required
NoneNone$25.00 average daily balance$25.00 average daily balanceNone
Interest Rate / APY*Please callPlease callPlease callPlease callPlease call
Early Withdrawal PenaltiesWithdrawing prior to maturity will result in penalty equaling 6 months interest (unless exception applies--see "Other Account
Information" below.)
N/AWithdrawing money prior to the maturity date (October 31st each year) will result in an early withdrawal fee of $10.00 per withdrawal.N/A
FeesNo monthly, annual or transaction fees.  $50 Transfer Out fee may apply. 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 order of checks is 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

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