Personal Deposit Accounts

Savings & Money Market Accounts

	Personal Savings	Money Market Deposit Account	Christmas Club	Vacation Club
Will I earn interest?	Yes	Yes	Yes	Yes
What is the minimum balance required to earn interest?	$10.00	$1,000.00	$1.00	$1.00
What is the minimum balance to avoid fees?	$100.00*	$1,000.00	N/A	N/A
What is the fee if I fall below the minimum?	$2.00 per statement*	$10.00 per statement	N/A	N/A
What is the minimum balance to open?	$10.00	$1,000.00	$1.00	$1.00
Other benefits to this type of account?	Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited	Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited	Christmas Club Accounts run for a 50-week term. Pay using coupon book or set up an automatic transfer	Vacation Club Accounts run for a 50-week term. Pay using coupon book or set up an automatic transfer
Are there any restrictions?	You may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts and debit card and similar transactions from your account per month or statement cycle	You may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts and debit card and similar transactions from your account per month or statement cycle.	You may not make withdrawals from this account before maturity. A check for your balance plus interest earned will be sent to you at maturity.	You may not make withdrawals from this account before maturity. A check for your balance plus interest earned will be sent to you at maturity.

* Account Owners under 23 years of age are exempt from this service charge, as well as those individuals age 62 or older.

Statements for the Savings Accounts are printed semi-annually. (With the exception of those customers who have electronic funds transfers into or out of their account and those customers with combined statements, in which case a statement will be processed and mailed monthly.)

All Money Market Deposit Accounts are cycled on the last business day of the month.