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Savings and Investments

Statement Savings

This interest bearing savings plan is great for those just learning to save!

Features:

  • Interest Bearing account
  • Unlimited transfers and withdrawals made in person, by messenger, by mail or at any ATM

Maintenance and Activity Fees:

  • Minimum opening balance requirement of $100.00
  • Must maintain a minimum daily balance of $100.00 or a $5.00 service charge per month will be assessed
  • Must maintain the minimum daily balance to obtain the disclosed annual percentage yield
  • Up to six (6) transfers can be made from this account each four (4) week or similar period.  Each transfer may be made by check, draft, debit card or similar order (including POS transactions)
  • A $1.00 fee will be assessed for each withdrawal that exceeds the monthly limit of six (6)

Click here to open a Statement Savings Account

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Star Savings

This account is a high-balance savings account which pays a competitive rate of interest.

Features:

  • Interest Bearing account
  • Unlimited transfers and withdrawals made in person, by messenger, by mail or at any ATM

Maintenance and Activity Fees:

  • Minimum opening balance requirement of $2,500.00
  • Must maintain a minimum daily balance of $100.00 or a $5.00 service charge per month will be assessed
  • Must maintain the minimum daily balance to obtain the disclosed annual percentage yield
  • Interest rate defaults to Statement Savings if balance falls below $10,000.00
  • Up to six (6) transfers can be made from this account each four (4) week or similar period.  Each transfer may be made by check, draft, debit card or similar order (including POS transactions)
  • A $1.00 fee will be assessed for each withdrawal that exceeds the monthly limit of six (6)

Click here to open a Star Savings Account

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Copper Classic Savings

This account is another high-balance savings account. A premium, competitive rate is paid on balances.

Features:

  • Interest bearing account
  • Unlimited transfers and withdrawals made in person, by messenger, by mail or at any ATM

Maintenance and Activity Fees:

  • Minimum opening balance requirement of $5,000.00
  • Must maintain a minimum daily balance of $100.00 or a $5.00 service charge per month will be assessed
  • Must maintain the minimum daily balance to obtain the disclosed annual percentage yield
  • Interest rate defaults to Statement Savings if balance falls below $25,000.00
  • Up to six (6) transfers can be made from this account each four (4) week or similar period.  Each transfer may be made by check, draft, debit card or similar order (including POS transactions)
  • A $1.00 fee will be assessed for each withdrawal that exceeds the monthly limit of six (6)

Click here to open a Copper Classic Savings Account

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Money Market Accounts

These accounts are interest bearing and have check writing privileges.

Personal Money Market

Features:

  • Interest bearing account
  • Unlimited transfers and withdrawals made in person, by messenger, by mail or at any ATM

Maintenance and Activity Fees:

  • Minimum opening balance requirement of $2,500.00
  • Must maintain a minimum daily balance of $2,500.00 or a $10.00 service charge per month will be assessed
  • Must maintain the minimum daily balance to obtain the disclosed annual percentage yield
  • Up to six (6) transfers can be made from this account each four (4) week or similar period.  Each transfer may be made by check, draft, debit card or similar order (including POS transactions)
  • A $1.00 service fee will be charged per debit that exceeds the allowed limit

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Certificates of Deposit

Our Certificates of Deposit are available to both consumer and business clients. CD terms range from 30 days to 5 years and may be used for I.R.A. funds.

Features:

  • Interest bearing account
  • Choose your term – 30 days to 5 years

Maintenance and Activity Fees:

  • Minimum opening balance requirement of $500.00
  • Must maintain the minimum daily balance of $500 to obtain the disclosed annual percentage yield
  • May not make additional deposits in to this account
  • May not make withdrawals from this account until the maturity date
  • If any of the principal is withdrawn before the maturity date, we may impose a penalty of interest (based on the term of the instrument)
  • Funds must be withdrawn 10 calendar days after the maturity date to avoid penalty.

Click here to open a Certificate of Deposit Account

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Penalty Free Certificate of Deposit

Our Penalty Free Certificate of Deposit is available to both consumer and business clients. CD terms are currently limited to 12 months.

Features:

  • Interest bearing account
  • Current term available - 12 months
  • Up to 2 penalty free withdrawals can be made during the term of certificate

Maintenance and Activity Fees:

  • Minimum opening balance requirement of $500.00
  • Must maintain the minimum daily balance of $500 to obtain the disclosed annual percentage yield
  • May not make additional deposits in to this account
  • A 7 day interest penalty will be assessed if a withdrawal is done during the first 7 days of the term of the account
  • A 7 day penalty will be assessed if a second withdrawal is done within 7 days after the first withdrawal
  • Funds must be withdrawn 10 calendar days after the maturity date to avoid penalty

Click here to open a Certificate of Deposit Account

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Bump-Up Certificate of Deposit

Our Bump-Up Certificate of Deposit is available to both consumer and business clients. CD terms are currently limited to 24 months.

Features:

  • Interest bearing account
  • Current term available - 24 months
  • One time opportunity to bump-up your interest rate to the current prevailing rate

Maintenance and Activity Fees:

  • Minimum opening balance requirement of $500.00
  • Must maintain the minimum daily balance of $500 to obtain the disclosed annual percentage yield
  • May not make additional deposits in to this account
  • May not make withdrawals from this account until the maturity date
  • If any of the principal is withdrawn before the maturity date, we may impose a penalty of interest (based on the term of the instrument)
  • Funds must be withdrawn 10 calendar days after the maturity date to avoid penalty

Click here to open a Certificate of Deposit Account

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Individual Retirement Account (IRA)

Our IRA's are available to both consumer and business clients. CD terms range from 12 months to 5 years, and may also be used for I.R.A. funds.

Features:

  • Interest bearing account
  • Choose your term – 12 months to 5 years

Maintenance and Activity Fees:

  • Minimum opening balance requirement of $500.00
  • Must maintain the minimum daily balance of $500 to obtain the disclosed annual percentage yield
  • May not make additional deposits in to this account
  • May not make withdrawals from this account until the maturity date
  • If any of the principal is withdrawn before the maturity date, we may impose a penalty of interest (based on the term of the instrument)
  • Funds must be withdrawn 10 calendar days after the maturity date to avoid penalty.

All products and services are subject to bank/credit approval

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