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Personal Banking Accounts

Savings/MMA/CDs

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Your money, working harder for you.

Your goals are unique-your savings strategy should be too.

Personal Savings Accounts
A personal savings account is a smart first step toward financial stability. It helps you set aside funds for unexpected expenses while supporting your long-term goals with dependable access and peace of mind.

Money Market Demand Account (MMA)
Money market demand accounts offer a flexible way to grow your savings while maintaining easy access to your funds. With competitive interest rates and enhanced account features, it’s an ideal choice for individuals looking to build a strong financial cushion and stay prepared for future opportunities.

Personal Savings Accounts
A personal savings account is a smart first step toward financial stability. It helps you set aside funds for unexpected expenses while supporting your long-term goals with dependable access and peace of mind.

Money Market Demand Account (MMDA)
Money market demand accounts offer a flexible way to grow your savings while maintaining easy access to your funds. With competitive interest rates and enhanced account features, it’s an ideal choice for individuals looking to build a strong financial cushion and stay prepared for future opportunities.

Certificate of Deposit (CD)
A Certificate of Deposit (CD) offers a secure way to grow your savings with guaranteed returns. By locking in a fixed interest rate over a set term, you can plan with confidence by knowing your funds are working for you while protected from market fluctuations.

Personal Savings

DREAM BUILDER SAVINGS
(AGE 0 - 17)

GOLD STAR SAVINGS

GOLD STAR MONEY MARKET

Minimum Deposit to Open

$0

$50

$50

Minimum Balance to Avoid Fees

None

$200
Minimum Daily Balance

$2,500 Minimum Daily Balance

Service Charge

None

$6 per quarter if balance falls below $200 any day in quarter $10 per month if balance falls below $2,500 any day in month

Interest

Compounded and credited monthly on daily balance

Compounded and credited quarterly on daily balance Minimum balance of $200 to obtain interest

Compounded and credited monthly on daily balance

Debit Card

No No Yes

Number of transactions

Limited to 6 withdrawals per month; additional withdrawals $2 each Limited to 6 withdrawals per month; additional withdrawals $2 each Limited to 6 withdrawals per month; additional withdrawals $5 each

E-Statements with Images

Yes

Yes

Yes

Online/Mobile Banking

Yes Yes

Yes

Eligible for Reward

Yes None None