savings comparison

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Personal Savings Comparison

  Preferred Savings Smart Kid Savings (age 21 and under) Money Market Preferred Money Market CDs & IRAs Health Savings Account
Who Would Benefit From This Account Great for earning interest on higher balances accounts that may occasionally have a lower balance A great account to get started saving at an early age The right account if balances are between $2,500 and $10,000 Perfect for a $10,000 minimum balance account while earning more as the balance grows A great way to have options for rates and terms on your money The right account to pair with a high deductible health plan in order to save and conveniently pay medical expenses
Interest Bearing Tiered Yes Yes Tiered Yes Yes
Minimum Opening Balance and Balance Required to Earn Interest $100 $10 $2,500 $10,000 Varies based on product selected $100
Service Charge $2 per statement cycle if balance falls below $100 None None if a minimum daily balance of $1,500 is maintained or a minimum average balance of $2,500; otherwise $8.50 per statement cycle None if a $10,000 minimum daily balance is maintained in combination of identified Preferred Money Market, NOW, Savings, Money Market Deposit Account, Certificate of Deposit or Home Equity Line of Credit accounts; otherwise $10 fee per statement cycle Penalties assessed for early withdrawal $25 annual fee
Per Item Charge $2 per item for withdrawals in excess of four per cycle $1 per item for withdrawals in excess of three per cycle None None None None
Additional Information   Automatically converts to Preferred Savings at age 22 Withdrawal limitations apply Withdrawal limitations apply A variety of terms are available Contact any branch for additional information and qualifications
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