This account makes it easy to save for holiday giving. When you open this account you can save all year long for the upcoming holiday season. You’ll be surprised how much you can save and how nice it is to have that cash ready for Christmas.

Your balance will be transferred automatically into your regular savings account in the evening of November 1st, so you will have plenty of time to shop. This account pays dividends on daily balances of $0.01 or more. Dividends are compounded daily and credited quarterly.

Use our savings calculators learn more about your savings options.

Effective May 29, 2020

Share Accounts

  Dividend Rate APY* Minimum Balance
Savings** 0.050% 0.05% $100.00
Christmas Club** 0.250% 0.25% $100.00
Draft (checking) Accounts 0.000% 0.00% $0.00
Health Savings (HSA) 0.499% 0.50% $0.00
IRA Savings  0.499% 0.50% $1,000.00

*APY= Annual Percentage Yield. **If fees are applied, it may reduce the earnings on the account. Click here to view the full list of service charges & fees. The dividend rate is subject to change without notice.

Savings Service Charges

Excessive withdrawals on a Money Market account
(more than 6 withdrawals per month)
$3.00 per item
HSA set-up fee $20.00
IRA Savings inactivity fee (reviewed for activity between January 1 and December 31 each calendar year), effective for accounts with a balance less than $1,000.00 $40.00
IRA Certificate & IRA Savings closeout charge $25.00

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