Find a Smarter Way to Save
Whether you’re building an emergency fund, planning for something big, or just getting started, compare our savings options to see which one aligns with your goals and lifestyle.
| Simple Savings | Christmas Club | 22nd State Money Market | Premium Money Market | High-Yield MMA | 22nd State Certificate of Deposit | Individual Retirement Account | |
|---|---|---|---|---|---|---|---|
| Monthly Service Charge | $5 if falls below min. balance | --- | $8 if falls below min. balance | $8 if falls below min. balance | $8 if falls below min. balance | --- | --- |
| Minimum Opening Deposit | $100 | $22 | $1,000 | $50,000 | $50,000 | $1,000 | $1,000 |
| Minimum Balance Required | $50 | N/A | $1,000 | $1,000 | $50,000 | $50,000 | $1,000 |
| Online and Mobile Banking |  |  | | | | | |
| Electronic and Paper Statements | Your choice of electronic or paper statements | Your choice of electronic or paper statements | Your choice of electronic or paper statements | Your choice of electronic or paper statements | Your choice of electronic or paper statements | N/A | N/A |
| Earns Interest | | | | | | | |
| Tiers | N/A | N/A | | | | | |
| Excessive Withdrawal Fee | $5* | $20*** | $5** | $5** | $5** | Loss of Interest**** | Loss of Interest**** |
*After 3 transactions per month on Savings; **after 6 transactions per month on Money Markets; ***early withdrawal penalty imposed on withdrawals before maturity; ****You may not make any deposits into your account before maturity. A penalty will be imposed for withdrawals before maturity. The fee we may impose will be as follows: loss of 30-day interest for the term 3-month CD; loss of three months interest for the term of 6, 9, 12, and 18-month CDs; loss of six month’s interest for terms of 24, 30, and 36-month CDs; and loss of nine month’s interest on terms of 48 months; *****You may not make any deposits into your account before maturity. A penalty will be imposed for withdrawals before maturity (with the exception of RMDs). The fee we may impose will be as follows: loss of three months’ interest; IRA rules may apply.
If you’re not sure which account(s) you currently have or would like to switch accounts, please visit your local branch or call us at (888) 325-7777.