Personal Savings & Investment Accounts

We offer many different options to help you save and earn interest.

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Account Name Opening Balance Earns Interest Minimum Balance Monthly Service Charge
Smart Savings $50 Yes $100 $3, waived with minimum balance
Monument Savings $25 Yes $25 $1, waived with minimum balance
Optimum Money Market $2,500 Yes $1,000 $10, waived with minimum balance
Certificates of Deposit $500 Yes N/A N/A
Individual Retirement Accounts (IRA) $100 Yes N/A N/A
Health Savings Account (HSA) $50 Yes N/A $3

Smart Savings

  • Six free withdrawals are allowed per month
  • $5.00 per withdrawal over six

Monument Savings

  • For our young savers under age 18
  • Special treasure savings map and prizes
  • Six free withdrawals are allowed per month
  • $2.00 per withdrawal over six
  • No electronic payments from account are allowed

Optimum Money Market

  • Tiered interest
  • Six free withdrawals are allowed per month
  • $10.00 per withdrawal over six
  • $0.25 deposited item fee for more than 30 per month

Certificate of Deposit/ Individual Retirement Account (IRA)

  • Variety of terms from 91 days to 60 months
  • Opening deposit varies depending on term

Health Savings (HSA)

  • For customers who are covered by a qualified high-deductible health plan
  • $25 setup fee
  • 2015 Contribution Limits: $3,350 Individual, $6,650 Family
  • VISA® Debit Card to pay for medical expenses