Regular Savings

• FREE Online Banking / Billpay
• 6 free withdrawals per month  ($5.00 fee for each excessive withdrawal per month). 
• Interest will be compounded daily and credited to your account monthly.
• Interest rates may change periodically without notice.
• $5.00 Maintenance Fee if balance falls below $100.00 any day of the month.
• If you close your account before interest is credited, you will receive the accrued interest.
• Interest begins to accrue on the business day that you deposit non cash items.
• Minimum balance to open account $100.00

Lil'D Savings

• FREE Online Banking / Billpay
• Account holders required to have a joint owner on account (i.e. parent, grandparent, guardian)
• No service charge
• Account automatically converted to a T-Cash Savings account upon the account holder's 13th birthday
• Interest begins to accrue on the business day that you deposit non cash items.
• Children 0-12 years old
• $10.00 minimum to open account  

T-Cash Savings

• FREE Online Banking / Billpay
• No minimum balance
• No service charge
• Account holders required to have a co-signer
• Students 13-18 years old
• Must receive E-Statements
• Valid email address required
• Interest begins to accrue on the business day that you deposit non cash items
• $25.00 minimum to open account

REALSaver 

• Must have a Reward Checking-REALSaver checking account in order to have a REALSaver savings account
• $100.00 minimum to open account 
• Free from any service charges
• Interest begins to accrue on the business day that you deposit non cash items
• Qualifications needed for REALSaver interest rate/APY: You must meet the qualifications for Reward Checking-REALSaver
• If Qualifications are met:
  • 0.10% Interest Rate/ 0.10% Annual Percentage Yield on the first $5,000.00 (effective as of 08/14/2016)
  • 0.05%Interest Rate/ 0.05% Annual Percentage Yield for any balance in excess of $5,000.00 (effective 08/14/2016)
• If Qualifications are not met:
  • A base rate (default rate) of .05% Interest Rate/ .05% Annual Percentage Yield will apply to the entire balance