Personal Savings

Whether you’re trying to save for a large purchase or your taxes, we offer an array of savings accounts to help meet your banking needs.

Statement Savings

To avoid a $15.00 quarterly service charge, you must maintain an average daily ledger balance of $200.00 or more OR participate in the direct deposit of a payroll or retirement program.

Features Details
Minimum Balance

Average Daily Ledger Balance of $200.00

Service Charge

$15.00

Minimum Opening Deposit

$25.00

Transaction Limitations

Yes

ATM Card

Yes

Additional Information

-

Apply
Student Savings

No monthly service charge until age 24, at which time the account will convert to a Statement Savings Account.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Opening Deposit

$25.00

Transaction Limitations

Yes

ATM Card

Yes

Account Age Limit

Yes

Apply
Insured Money Market (IMM) Savings

A minimum deposit of $2,500.00 is required to open this account. If the daily balance falls below $2,500.00, a monthly service charge of $15.00 will be assessed at statement date.

Features Details
Minimum Balance

Daily Balance of $2,500.00

Service Charge

$15.00

Minimum Opening Deposit

$2,500.00

Transaction Limitations

Yes

ATM Card

Yes

Apply
NYUTMA

No monthly service charge or minimum opening deposit required. Beneficiary must be under the age of 21 and upon reaching that age, account must be closed by the custodian and all funds given to the beneficiary.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Opening Deposit

$25.00

Transaction Limitations

Yes

ATM Card

Available to custodian only

Account Age Limit

Beneficiary under 21

Additional Information

Only one custodian and one beneficiary may open the account

Apply
Tax Savings

No minimum opening deposit required and interest is posted annually. Withdrawals can only be made as window transactions or automatic transfers to your checking/savings account to pay taxes.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Opening Deposit

$25.00

Transaction Limitations

-

ATM Card

-

Additional Information

Withdrawals can only be made as a window transaction to pay taxes or close the account or automatic transfer to DDA to pay taxes.

Apply
Holiday / Vacation Savings

No minimum opening deposit required and interest is posted at maturity. Withdrawals made before maturity must be for the entire balance, no partial withdrawals allowed.

Features Details
Minimum Balance

-

Service Charge

-

Minimum Opening Deposit

$25.00

Transaction Limitations

-

ATM Card

-

Additional Information

Withdrawals made prior to maturity must be for entire balance.

Apply

Questions

If you have questions, please contact our main branch during normal business hours at (845) 482-4000.

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