Internet BankingJump to a Personal Saving Account:
DETAILS
- $0 to open
- A minimum balance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle.
- FREE eStatements
- FREE Paper Statements
- FREE 24/7 access with On-line Banking
- FREE 24/7 access with Your Account on call
Health Savings Accounts
DETAILS
- $100 to open
- $4.50/month service fee
- FREE Visa™ Health Savings Debit Card
- FREE eStatements
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
- FREE mobile app
- Unlimited check writing
- $5.00 Monthly Mailed Statement fee.
Education Savings (CESA)
DETAILS
- Save money and earn tax-exempt interest for your child’s education
- Make yearly non-deductible contributions up to $2,000
- Qualified distributions and earnings are tax exempt
- $2,000 minimum balance to open per minor.
- Maturity terms from 30 days to 5 years
- Online Banking
- Your Account on Call
Certificates of Deposit
DETAILS
- Available to Businesses and Consumers
- FDIC Insured
- Maturity terms from 30 days to 5 years
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
Christmas Club
DETAILS
- $5.00 Minimum balance to open
- Auto transfer convenient way to save
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
Traditional IRAs
DETAILS
- Fixed rates
- Contributions may be tax deductible
- Taxes on earnings or pre-taxed dollars are deferred until distribution
- Distributions may be taken without penalties at age 59 1/2
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
Roth IRAs
DETAILS
- Flexible with tax-free growth
- Contributions are not tax deductible
- Qualified distributions after a 5-year period
- Withdraw funds used to purchase a first home are tax-exempt if you’re under 59 1/2, please refer to the IRS Website for additional details.
- Tax-exempt if you’re over 59 1/2
- FREE 24/7 access with Online Banking
- FREE 24/7 access with your account on call
Young Savers
DETAILS
- $5.00 to open
- A minimum balance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle at age 18 years or older.
- Converts to a Keepsake Savings at 18
Compare Each Savings Account
| Keepsake Savings Apply Now | Health Savings Accounts | Education Savings (CESA) | Certificates of Deposit | Christmas Club | Traditional IRAs | Roth IRAs | Young Savers | |
|---|---|---|---|---|---|---|---|---|
$100 to open | Keepsake yes | Health Savings yes | Education | Certificates | Christmas | Traditional | Roth | Young |
No Service Charge with $200 Daily Balance | Keepsake yes | Health Savings | Education | Certificates | Christmas | Traditional | Roth | Young |
FREE Monthly Statements | Keepsake yes | Health Savings | Education | Certificates | Christmas | Traditional | Roth | Young |
Minimal Monthly Service Charge | Keepsake | Health Savings yes | Education | Certificates | Christmas | Traditional | Roth | Young |
FREE Paper Statements | Keepsake yes | Health Savings | Education | Certificates | Christmas | Traditional | Roth | Young |
FREE 24/7 Access with Online Banking | Keepsake yes | Health Savings yes | Education | Certificates yes | Christmas yes | Traditional yes | Roth yes | Young |
FREE 24/7 Access with Your Account on Call | Keepsake yes | Health Savings yes | Education | Certificates yes | Christmas yes | Traditional yes | Roth yes | Young |
FREE Visa™ Health Savings Debit Card | Keepsake | Health Savings yes | Education | Certificates | Christmas | Traditional | Roth | Young |
FREE eStatements | Keepsake | Health Savings yes | Education | Certificates | Christmas | Traditional | Roth | Young |
FREE Mobile App | Keepsake | Health Savings yes | Education | Certificates | Christmas | Traditional | Roth | Young |
Unlimited Check Writing | Keepsake | Health Savings yes | Certificates | Christmas | Traditional | Roth | Young | |
Save Money and Earn Tax-Exempt Interest for Your Child’s Education | Keepsake | Health Savings | Education yes | Certificates | Christmas | Traditional | Roth | Young |
Make Yearly Non-Deductible Contributions up to $2,000 | Keepsake | Health Savings | Education yes | Certificates | Christmas | Traditional | Roth | Young |
Contributions May be Tax Deductible | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional | Roth | Young |
Contributions Are not Tax Deductible | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional yes | Roth yes | Young |
Qualified Distributions and Earnings are Tax-Exempt | Keepsake | Health Savings | Education yes | Certificates | Christmas | Traditional | Roth | Young |
Qualified distributions after a 5-year period | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional | Roth yes | Young |
Taxes on Earnings or Pre-Taxed Dollars are Deferred until Distribution | Keepsake | Health Savings | Education | Certificates | Traditional yes | Roth | Young | |
Available to Businesses and Consumers | Keepsake | Health Savings | Education | Certificates yes | Christmas | Traditional | Roth | Young |
FDIC Insured | Keepsake | Health Savings | Education | Certificates yes | Christmas | Traditional | Roth | Young |
Terms from 30 Days to Five Years | Keepsake | Health Savings | Education | Certificates yes | Christmas | Traditional | Roth | Young |
Fixed Rates | Keepsake | Health Savings | Education | Certificates yes | Christmas | Traditional | Roth | Young |
Fixed and Variable Rates | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional yes | Roth | Young |
Auto Transfer Convenient Way to Save | Keepsake | Health Savings | Education | Certificates | Christmas yes | Traditional | Roth | Young |
No Service Charge if Paid in Full | Keepsake | Health Savings | Education | Certificates | Christmas yes | Traditional | Roth | Young |
Distributions May be Taken Without Penalties at age 59 1/2 | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional yes | Roth | Young |
Flexible with tax-free growth | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional | Roth yes | Young |
Withdraw funds used to purchase a first home are tax-exempt if you’re under 59 1/2 | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional | Roth yes | Young |
Tax-Exempt if you’re over 59 1/2 | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional | Roth yes | Young |
No Fees for participants under 18 years | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional | Roth | Young yes |
$5.00 to open | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional | Roth | Young yes |
No Monthly minimum balance required | Keepsake | Health Savings | Education | Certificates | Christmas | Traditional | Roth | Young yes |
To report a Lost or Stolen Debit/ATM Card between the hours of 9am-5pm please call (866) 462-2265.
After hours please call (800) 811-8148, select option 3.