High Yield Savings

• Opening deposit $10,000.00
• Interest paid to account quarterly
• Tiered interest rates
• Minimum balance to earn interest is $10,000.00
• Transaction limitation of 5 withdrawals per month

Passbook Savings

• Opening deposit of $100.00
• Interest is paid to account every 6 months
• Minimum to earn interest is $200.00
• Minimum balance to avoid $3.00 monthly fee is $100.00 - Students 18 and under waived.

Christmas Club Account

Make 49 consecutive and timely weekly deposits of the same amount to this account then we will make the 50th deposit of that amount for you. (You choose the amount of the deposit, within any limits we may set.)

Tax Time Club Account

Make 49 consecutive and timely weekly deposits of the same amount to this account then we will make the 50th deposit of that amount for you. (You choose the amount of the deposit, within any limits we may set.)

Vacation Club Account

Make 39 consecutive and timely weekly deposits of the same amount to this account then we will make the 40th deposit of that amount for you. (You choose the amount of the deposit, within any limits we may set.)

Reduce Your Federal Income Taxes and Accumulate Wealth Tax Deferred

A Health Savings Account (HSA) lets you accumulate funds on a tax-preferred basis to pay for medical expenses if you have a high deductible health care plan. Cash held in an HSA and not used for medical expenses, can remain in the HSA and grow tax-deferred.

For 2011, up to $3,050 for an individual, or $6,150 for a family, can be deposited or contributed into an HSA. Account holders aged 55 and better can contribute an additional $1,000 per year.

• The entire deposit amount is deductible on your Federal tax return
• Tax –free withdrawals when used for qualified medical expenses
• Tax –deferred until withdrawn if used for purposes other than qualified medical
• To have your health plan considered high deductible, the deductible needs to be at least:
• $1,200 for an individual
• $2,400 for family

Contact a Personal Banker at a location listed below today to learn how a Health Savings Account can work for you!

This information is not intended as legal advice regarding your limits, deductibility or tax deferral. Please consult a tax advisor.