| Statement Savings | Investment Plus Saving | Money Market | Fixed-Rate CDs | IRA CDs | Christmas Club | Vacation Club | |
|---|---|---|---|---|---|---|---|
Annual Percentage Yield (APY) Earned
| Statement Savings No minimum to earn APY | Investment Plus Saving $10,000 minimum to earn APY | Money Market $10,000 minimum to earn APY | Fixed-Rate CDs $500 minimum to earn APY | IRA CDs $500 minimum to earn APY | Christmas Club No minimum to earn APY | Vacation Club No minimum to earn APY |
Minimum Balance to Open | Statement Savings $50 | Investment Plus Saving $10,000 | Money Market $10,000 | Fixed-Rate CDs $500 | IRA CDs $500 | Christmas Club $5 | Vacation Club $5 |
Monthly Service Fee | Statement Savings $2 if balance falls below $200, $5 if balance falls below $50 | Investment Plus Saving $10 if balance falls below $10,000 | Money Market $10 if balance falls below $10,000 | Fixed-Rate CDs None | IRA CDs None | Christmas Club None | Vacation Club None |
Restrictions | Statement Savings See withdrawal limits | Investment Plus Saving See withdrawal limits | Money Market See withdrawal limits | Fixed-Rate CDs 91-day to 60-month terms | IRA CDs 12- to 60- month terms | Christmas Club Deposit $5 to $20 for 50 consecutive weeks | Vacation Club Required minimum weekly deposit is $5; maximum weekly deposit is $20 |
Withdraw Limits | Statement Savings Limit of 6 transfers per calendar month | Investment Plus Saving Limit of 6 transfers per calendar month | Money Market Limit of 6 transfers per statement cycle | Fixed-Rate CDs Penalty for early withdrawal | IRA CDs Penalty for early withdrawal | Christmas Club Withdrawals not permitted until the October payout date, without management approval. If withdrawal is allowed, the account may be closed and assessed a $10 service fee. | Vacation Club Withdrawals not permitted until the May payout date, without management approval. If withdrawal is allowed, the account may be closed and assessed a $10 service fee. |
