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Personal Savings & Investment Accounts

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

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Account NameOpening BalanceEarns InterestMinimum BalanceMonthly Service Charge
Smart Savings$50Yes$100$3, waived with minimum balance
Youth Savings$25Yes$25$1, waived with minimum balance
Optimum Money Market$2,500Yes$1,000$10, waived with minimum balance
Certificates of Deposit$500YesN/AN/A
Individual Retirement Accounts (IRA)$100YesN/AN/A

Smart Savings

Youth Savings

  • For our young savers under age 18
  • 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
  • Open Optimum Money Market Online!

Certificate of Deposit/ Individual Retirement Account (IRA)

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