Account	Highlights	Interest	Service Charge	Minimum Opening Balance
Basic Savings	Unlimited in-person transactions Withdrawal limitations apply per federal regulation * Quarterly detailed statement	Interest accrues daily and is credited and compounded quarterly Contact us for current rates	$3 monthly maintenance fee if monthly average ledger balance falls below $50 any day during the month (waived if you are under 18 years of age)	$50

Account	Highlights	Interest	Service Charge	Minimum Opening Balance
Statement Savings	Quarterly detailed statement Unlimited in-person transactions Withdrawal limitations apply per federal regulation *	Interest accrues daily and is credited and compounded quarterly Contact us for current rates	$3 monthly maintenance fee if account balance falls below $200 on any day during the month (waived if you are under 18 years of age)	$100

Account	Highlights	Interest	Service Charge	Minimum Opening Balance
IRA Savings	Save for retirement with a federally insured account No minimum balance required Annual detailed statement	Interest accrues daily and is credited and compounded annually Pays interest on a tiered basis	$8 annual maintenance fee; $25 termination fee	$100

Account	Highlights	Interest	Service Charge	Minimum Opening Balance
Health Savings Account	Monthly detailed statement Available to individuals covered by a high deductible health plan (HDHP) Unlimited transactions	Interest accrues daily and is credited and compounded monthly Pays interest on a tiered basis	$2 maintenance fee if balance falls below $1,000 during the statement cycle; $20 set-up fee Other fees may apply; ask for details	$100

* During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by a preauthorized or automatic transfer or telephone order.