Savings Accounts

Regular Savings

  • No Monthly Service Charge
  • Minimum $100 to Open
  • No Minimum Balance Fee
  • Interest earned on balances $100 and over
  • Free Online Banking
  • Excessive Items fees may apply – See TIS Disclosure

Health Savings Account (HSA)

  • No Monthly Service Charge
  • Free Online Banking and Bill Pay
  • Unlimited Check Writing


  • Must be covered by a high deductible plan
  • Cannot be eligible to be claimed on another person’s tax return
  • Cannot be enrolled in Medicare


  • Can be used for medical expenses
  • Tax free savings account (if used for qualified medical expenses)
  • Contributions are tax deductible
  • If employer makes contributions, they are eligible to use as a tax deduction
  • Can be used as an Individual Plan or a Family Plan

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Christmas/Vacation Club Account

  • No Monthly Fees
  • No Minimum Balance
  • Interest Bearing
  • No Withdrawals
  • Can set up automatic transfer from existing account
  • Checks cut on May 15 for Vacation and October 15 for Christmas or deposited into an account

Certificate of Deposit (CD)

  • Minimum deposit required
  • Interest can be compounded, check mailed, or direct deposited into an account
  • Penalty for early withdrawal
  • Various terms available

Individual Retirement Account (IRA)

  • Traditional IRA – IRA plan that takes either deductible or nondeductible contributions. Contributions earn tax-deferred income. The principal and income is taxed as ordinary income when withdrawn.
  • Roth IRA – IRA plan that takes only nondeductible contributions. Contributions earn tax-free income if qualified when withdrawn.