Savings Accounts

YOUNG CITIZENS SAVINGS

• Available only to Individuals age 18 and younger
• Establishes an account relationship
• Withdrawal restrictions apply
• Deposits may be made at any time
• Quarterly statements
• Minimum deposit to open account
• Minimum balance requirement to earn interest

REGULAR SAVINGS

• Establishes an account relationship
• Deposits may be made at any time in any amount
• Withdrawal restrictions apply
• Quarterly statements
• Minimum deposit to open account
• Minimum balance requirement to earn interest and avoid service charge fees

CERTIFICATES OF DEPOSIT

• Higher rate of interest
• Maturity date selected by customer
• Automatically renewable
• Guaranteed rate until maturity

INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)

• Tax deferred interest
• FDIC insured up to $250,000
• Lower tax bracket at retirement
• No minimum age limit
• Contributions may be claimed as credits against federal income tax liability as allowed by IRS