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Savings Comparison Chart

  Maximum Yield (MY) Savings Regular Savings Money Market Deposit Account Maximum Yield (MY) Money Market Certificate of Deposit (CD) Student Savings My First Million
Minimum to Open $25 $100 $1,000 $15,000 As little as $500* $50 $5
Minimum Balance $0.01 to earn interest $100 to earn interest $1,000 to earn interest $15,000 to earn interest As little as $500* to earn interest $50 to earn interest $5 to earn interest
Limitations

Allows 6 transfers per monthly statement cycle

To avoid fees, withdrawals are limited to 3 per month

Allows 6 transfers per monthly statement cycle

To avoid fees, withdrawals are limited to 3 per month

Allows 6 transfers per monthly statement cycle

Withdrawals in person are unlimited

Allows 6 transfers per monthly statement cycle

Withdrawals in person are unlimited

None

Allows 6 transfers per monthly statement cycle

To avoid fees, withdrawals are limited to 3 per month

Age 0-12

Allows 6 transfers per monthly statement cycle

To avoid fees, withdrawals are limited to 3 per month

Statements

eStatements Required

Paper statements are available for a $5 monthly fee

Quarterly or monthly if there are electronic deposits or withdrawals Yes Yes N/A Yes Quarterly or monthly if there are electronic deposits or withdrawals
Free Online Banking Yes Yes Yes Yes N/A Yes Yes
Free Mobile Banking Yes** Yes** Yes** Yes** N/A Yes** N/A
E-Statements Available Required Yes Yes Yes N/A Yes Yes
Interest Bearing

Tiered interest rate

Interest will be credited to the account monthly***

Interest will be credited to the account semi-annually***

Tiered interest rate

Interest will be credited to the account monthly***

Tiered interest rate

Interest will be credited to the account monthly***

Interest can be compounded, paid by check or deposited into an account you designate*** Interest will be credited to the account quarterly*** Interest will be credited to the account quarterly***
Fees

$1 fee for each withdrawal in excess of 3 per month

$1 fee for each withdrawal in excess of 3 per month

$3 monthly fee if balance falls below $100

$10 per transaction fee in excess of 6 per monthly statement cycle

$10 monthly fee if balance falls below $1,000

$15 per transaction fee in excess of 6 per monthly statement cycle

$15 monthly fee if balance falls below $15,000

A penalty may be imposed for early withdrawal $1 fee for each withdrawal in excess of 3 per month $1 fee for each withdrawal in excess of 3 per month



* Customers age 17 and younger may purchase CDs for as little as $250.

** Your cell phone or mobile device must be equipped to access the Internet. You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. All terms and conditions applicable to online banking may apply to mobile banking. 

*** The daily collected balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Rate may change weekly. For current rates and listing of any miscellaneous fees or charges that may apply, visit one of our locations, call our Customer Service Center at (816) 358-5000 or see our Fee Schedule.