Good, safe ways to start building your nest egg and start your youngster on a life-long saving program.

Low minimum balance to open

• Account can be opened with as little as $25.00
• Earn some of the best passbook savings rates in the region (Check with us for today's rates.)
• Interest will compound daily and be paid quarterly
• ATM card included

Individual Retirement Accounts (IRAs)

Offer you the whole range of options to save for your kids' educations, your retirement-or both!

• You can create an education IRA to fund the children's schooling
• You can choose traditional or Roth IRAs to fund retirement for you and your spouse

Time Deposit Accounts (Certificates of Deposit-CDs)

Perfect for your short-term and long-term savings programs and a great way to build cash funds for emergencies.

• 91-day and 6-month CDs are just the ticket for that emergency fund.
• Competitive rates-always and the short term means your money is available when you need it.
  (Minimum deposit: $1000)
• 1, 2, 3, and 4-year CDs offer the best rates because your money has time to grow.
• Always competitive rates and a low minimum deposit of $500
• Early withdrawal penalties vary. Ask your customer service representative for details