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Universal Savings

Our Universal Savings Account allows you to easy access to your money without penalty. It’s the perfect place to set aside money for those unexpected expenses or for a short term goal, and the perfect way for children to start saving.

Account Features

  • $50 minimum deposit to open account
  • Interest paid on balances of $.01 or more
  • Semi-annual interest payment
  • Six free withdrawals allowed per month, $3 for each additional withdrawal
  • Automatic transfer service to and from checking*
  • Free debit card available**

Additional Features and Requirements

  • Average daily balance of $50 required to avoid $4 monthly service charge, fee waived for minors under age 18
  • Variable interest rate may change daily; Interest calculation is based on daily (collected) available balances and is compounded semi-annually
  • $30 fee if account is closed within 6 months of opening
  • Overdrafts & NSF: $32 per paid item; $35 per returned item
* Preauthorized, telephone and Online Banking transfers are limited to a combined total of six per month as prescribed by federal regulations governing savings accounts. If you surpass this limitation during two months within a 12-month rolling period, your account will be charged $30.00.
 
**Savings Account customers must also have a checking account relationship in order to receive a debit card.

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