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Personal Savings

Secure your financial future with our Personal Savings Account designed to help you reach your savings goals faster!

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Benefits and Conveniences

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    Bank Securely

    Your account is safe with FDIC insurance.

  • mobile and desktop computer icon
    Online & Mobile Banking
    Secure banking, anytime, anywhere.  24/7 access to your money wherever you are. 
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    Free automatic transfers

    Move your money where you need it, when you need it.

  • Text-Email-Alerts
    Text & Email Alerts
    Get alerts on balances, transactions and security. Enroll or login to online banking to setup alerts.

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Personal Savings for children under 18

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No fees
Free to those under age 18.

Free Auto Transfers
Set up automatic transfers easily

Online Banking and Mobile App Access
Stay on top of your child's account with online banking and our mobile app.

Open in 5 minutes
It only takes about 5 minutes for a parent or guardian to open an account.

  • Kickstart your Savings when you Enroll in Easy Save!

    Round up each debit card purchase to the nearest dollar to turn your change from everyday purchases into savings.

     

    The change from your debit card purchases is accumulated and automatically transferred daily from your checking account to your savings account.

     

    Enroll in Easy Save

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Savings Advice

Navigating College Savings: Securing Your Child's Educational Future

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As parents and guardians, preparing for your child's higher education is not only a financial commitment but also an investment in their future. It’s the perfect time to take a closer look at the importance of saving for higher education and the strategies you can adopt to ensure your child’s academic dreams come true without causing financial stress.

Planning Early for College Savings

Over the past few decades, the cost of higher education has risen significantly, making it more important than ever to plan ahead. Starting early is key when it comes to saving for your child's education. The concept of compound interest works wonders in the world of savings. By beginning to save when your child is young, you allow your investments to grow over time, potentially accumulating substantial funds by the time they're ready for college.

5 Tips for Successful College Savings

  1. Set Clear Goals: Determine the amount of money you want to save for your child's education. Consider factors like tuition inflation, the type of institution your child might attend, and potential scholarship opportunities.
  2. Choose the Right Savings Vehicle: There are various options available for college savings, including 529 plans, Coverdell Education Savings Accounts (ESA), and custodial accounts. Each option has its own advantages and limitations, so research thoroughly to find the best fit for your needs.
  3. Consistent Contributions: Consistency is key. Set up automatic contributions to your chosen savings account. Even small amounts can add up significantly over time.
  4. Utilize Tax Advantages: 529 plans and ESAs often offer tax benefits. In a 529 plan, your investments grow tax-free, and withdrawals for qualified education expenses are also tax-free. Similarly, ESAs offer tax-free growth and tax-free withdrawals for education expenses.
  5. Stay Informed: Keep an eye on changes in the education landscape and any updates to college savings options. Be prepared to adjust your strategy as needed.

Involving your child in the college savings process can be a valuable lesson in financial responsibility. As they become aware of the effort required to save for their education, they'll learn the importance of budgeting, setting goals, and making informed financial decisions. By starting early, choosing the right savings vehicle, and staying informed about the options available, you can pave the way for your child's educational dreams to become a reality.

Call usContact us Learn about our Student Checking account

*Disclosures

$3 monthly service charge if the minimum monthly balance falls below $200 at any time during the month or enroll in Easy Save.

Free to those under 18. 

Students 14-17 years old at account opening will need to have their parent/guardian as a co-owner.

Transfers are limited to six per month.  Transfers from a savings account to another account by preauthorized withdrawals, automatic debit, internet, or telephone transfers or by check, draft, debit card, or similar order to a third party are limited to six per month. An excess activity fee of $2.50 will be charged for each "over the counter" or ATM withdrawals over six during a calendar month.