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Savings, IRAs and CDs
Cool Cat Club Savings
Minimum deposit to open is $5.00.
Banking Regulation D limits savings accounts to 6 withdrawals per month of any type with the exception of unlimited withdrawals made in person, by mail, messenger or ATM.
You are allowed 7 free debits of any type per quarterly statement cycle before incurring an excessive activity charge.  All debits after 7 will be charged $2.00 per debit during that quarterly statement cycle.
No quarterly maintenance fee.
For every day that your balance is $5.00 or more, you earn interest at the current rate for Cool Cat Club.
Interest is compounded quarterly.
Special events are included with this account.
At the age of 13, the account will be changed to an iSavings Account.

iSavings
Minimum deposit to open is $10.00.
Banking Regulation D limits savings accounts to 6 withdrawals per month of any type with the exception of unlimited withdrawals made in person, by mail, messenger or ATM.
You are allowed 7 free debits of any type per quarterly statement cycle before incurring an excessive activity charge.  All debits after 7 will be charged $2.00 per debit during that quarterly statement cycle.
No quarterly maintenance fee.
For every day that your balance is $10.00 or more, you earn interest at the current rate for Young Peoples Savings. 
Interest is compounded quarterly.
At the age of 18, the account will be changed to a Regular Savings Account

Regular Savings
Minimum deposit to open is $100.
Banking Regulation D limits savings accounts to 6 withdrawals per month of any type with the exception of unlimited withdrawals made in person, by mail, messenger or ATM.
You are allowed 7 free debits of any type per quarterly statement cycle before incurring an excessive activity charge.  All debits after 7 will be charged $2.00 per debit during that quarterly statement cycle.
If balance stays over $100 for entire quarterly statement cycle-NO maintenance fee.
If balance falls below  $100 on any day during the quarterly statement cycle-the maintenance fee is $3.00.
For every day that your balance is $100 or more, you earn interest at the current rate for Regular Savings.
Interest is compounded quarterly.

Christmas Club Savings
Minimum deposit to open is $3.00.
The goal amount of $250 may be exceeded, but if the goal is not reached by the last Friday in October,  a $5.00 service charge will be deducted from your check. If the account is closed early, a $5.00 service charge will be incurred and interest will be forfeited.
Weekly deposits are encouraged.
For every day that your balance is $3.00 or more, you earn interest at the current rate for Christmas Club Savings Account.
This account is a simple interest account and the interest will be credited annually.

Certificates of Deposit
Minimum deposit $1000.
May vary for advertised specials.
Please see current Rates and Fees sheet for additional information.
Interest compounded quarterly
Certificates are offered for time periods of 3 months to 5 years.
Please check with client services for current rates.

Individual Retirement Accounts
Various types of IRAs are available.  With the new Pension Protection Act of 2006, now may be the time to look at your retirement strategy.  IRAs - Traditional, SEP, and Roth - have never looked better. Saving for college? We offer the Coverdell Educational IRA.