Shrewd Saver: 

The Shrewd Saver Savings account requires a minimum opening deposit of $100 and does not generate a quarterly service charge if the account balance remains above $100.  If the balance falls below that level a quarterly service charge will be assessed.  Minors are not assessed a service charge regardless of balance.  If more than 18 withdrawals per quarter are made, a fee per additional withdrawal will be assessed.  Shrewd Saver Savings accounts are interest bearing and generate interest at different levels based on the balance of the account.  Please contact Bank for details and current rates.

Summit Account:

The Summit Savings account requires a minimum opening deposit of $2,500 and does not generate a monthly service charge if the balance remains above $2,500.  If the balance falls below that level a monthly service charge will be assessed.  Account holder has the choice of monthly online or paper statement with images.  Withdrawals are limited to six per month.  Withdrawals in excess of six per month will generate a fee per excessive withdrawal.  Summit Savings accounts are interest bearing and generate interest at different levels based on the balance of the account.  Please contact Bank for details and current rates.

Holiday Club Savings: 

Need help saving for the Holidays?  Try our Holiday Club Savings Account.  This account requires a minimum opening deposit of $10.  This account is service charge free but account balance may not exceed $5,000.  Interest, statement and check are processed in mid-November in time for the Holiday Shopping season.  No interest is paid on accounts closed before the “pay date”.  Holiday Club Savings accounts are interest bearing accounts.  Please contact Bank for details and current rates.