Father, mother and daughter bond on a couch.

Savings

We've Got Options For You

No matter what your financial goals, we have the right savings plan.

WELCOME SAVINGS
STARTER SAVINGS
TRUE ADVANTAGE STATEMENT SAVINGS
CLUB ACCOUNT
HEALTH SAVINGS ACCOUNT

Welcome Savings¹

Starter Savings¹

aged 17 and under.

For customers aged 17 or under
No minimum balance; no monthly fee

Tiered, variable interest rates based on daily account balance

True Advantage Statement Savings¹

relationship banking.

Premium savings account for customers who maintain their banking relationship with us²
This account requires a linked True Advantage Checking or True Advantage Checking Plus Account

Variable interest rates based on balance tiers

Club Account¹

for holiday shopping.

Open Account

Save for the holidays or for that dream vacation by putting extra money aside weekly
Club account pays a variable interest rate, subject to change daily

No minimum balance requirement and no monthly fee

Health Savings Account*

medical savings.

Please contact us or visit your local branch for more information or to open a Health Savings Account.

Benefits of opening an HSA:

Tax savings – tax-deductible contributions, tax-deferred earnings, tax-free withdrawals (if used properly)
Flexible – pay for current medical expenses or save for future ones
Funds in the HSA grow tax-free and carry over year after year
The HSA stays with you, regardless of change in coverage or employment

To be eligible for an HSA, you must meet the following requirements:

Be enrolled in a qualified high deductible health plan (HDHP)
Not be covered by another non-HDHP (with limited exceptions)
Not enrolled in Medicare
Not eligible to be claimed as a dependent on another person’s tax return

*Because certain restrictions apply, please seek competent tax advice.

Side-By-Side Comparison

	WELCOME SAVINGS*	STARTER SAVINGS*	True Advantage STATEMENT SAVINGS*	CLUB ACCOUNT*	HEALTH SAVINGS ACCOUNT
	Open Account	Open Account	Open Account	Open Account	Contact Us
Pays Interest	View Rates	View Rates	View Rates	View Rates	View Rates
Interest Compounding Frequency	Daily	Daily	Daily	Daily	Daily
Balance to Avoid Monthly Fee	$250 minimum daily**		Must have an active linked True Advantage Checking or Checking Plus**
Monthly Fee (if balance requirement not met)	$5

*Banking regulations governing savings and money market accounts specify that transfers into another account or to a third party by check, preauthorized automatic or telephone requests are limited to six per monthly cycle. In person transactions at a branch or ATM are unlimited.
**$25 minimum deposit required to open your account online.

Current Personal Savings Rates

WELCOME SAVINGS*	ANNUAL PERCENTAGE YIELD (APY)
$2.500 and over	0.08%
Less than $2,500	0.05%

*Maintain $250 balance to avoid monthly fee of $5

STARTER SAVINGS*	ANNUAL PERCENTAGE YIELD (APY)
$2,500 and over	0.08%
Less than $2,500	0.05%

*Available for customer age 17 or younger

True Advantage SAVINGS*	ANNUAL PERCENTAGE YIELD (APY)
$50,000 and over	0.13%
$25,000 - $49,999.99	0.10%
$10,000 - $24,999.99	0.08%
$2,500 - $9,999.99	0.05%

*Requires True Advantage Checking or Checking Plus Account

HEALTH SAVINGS	ANNUAL PERCENTAGE YIELD (APY)
$2,500 and over	0.08%
Less than $2,500.00	0.05%

PERSONAL MONEY MARKET	ANNUAL PERCENTAGE YIELD (APY)
$50,000 and over	0.07%
$25,000 - $49,999.99	0.05%
$10,000 - $24,999.99	0.03%
$2,500 - $9,999.99	0.03%
Less than $2,500.00	0.03%

Rates in effect as of 5/01/17. Please note these rates are subject to change at any time. Rates may change after the account is opened. Interest is compounded daily. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.