Put some of your money aside for those times when you need it most. Get in the habit of saving regularly.

Preferred Savings
Earn interest - every day - on any balance you keep in this account.

• No minimum balance required to earn interest
• Interest calculated on the daily balance (see rates)
• 2 free withdrawals per month
• $2 per withdrawal over 2 per month
• $50 minimum balance to avoid $3 monthly service charge
• Only $50 to open account

First Savings
Start your children or grandchildren on the path to wise money handling. Open this savings account reserved especially for minors. It will teach them the fundamentals of saving.

• Created especially for minors
• No minimum balance required
• All balances earn interest (see rates)
• Free withdrawals
• Only $5 to open account

Christmas Club (Holiday Savings)
Be well prepared for holiday shopping by putting aside some savings throughout the year. You'll be glad you did.

• Interest is credited at maturity (annually in November)
• Money is available by check or transferred to another account
• Interest is not compounded
• Early withdrawal penalty forfeits interest
• Only $5 to open account

Health Savings Account (HSA)
If you have a high deductible insurance plan and you're left paying expensive medical bills, then you may be eligible for a Health Savings Account. It's a personal savings plan that lets you put aside pre-tax dollars you can use for medical, health care, and preventative care costs. Contact us for details.

• Need $1200 personal or $2400 family health plan deductible to qualify
• No minimum balance to open
• Use pre-tax dollars to fund account
• Pay for deductibles, out-of-pocket costs, and non-covered medical expenses
• Pay for eye care and dental expenses
• Ask for complete information