Personal Banking - Savings & Investments

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Statement Savings
An account allowing you to earn interest and make deposits and withdrawals at any time, for any amount.

• Minimum Balance to Avoid Maintenance Fee $200
• Maintenance Fee If Below Minimum $3
• $5 Charge Per Withdrawal After 6 Per Month (Not At ATMs)
• Accounts Held by Minors Maintenance Fee Waived

Certificates of Deposit
A savings tool designed to offer a higher interest rate for those who do not need the money available for a predetermined amount of time.

• Balance to Open $500.00 for Regular CD
• Interest Rate Fixed for Specific Term of Deposit
• Terms of Deposit 6-48 Months
• Standard Early Withdrawal Penalties

Christmas Club
A savings tool designed to provide money for holidays.

• Minimum of $5 per Payment Weekly, Biweekly, or Monthly
• Interest Paid Annually
• Account Balance Paid the 1st part of November

IRAs: Savings Account
A retirement savings plan designed for employed individuals under 70 ½ years old who are interested in planning for a financially secure retirement

• Offered in Both Fixed and Variable Rates
• Minimum of $500 to Open Fixed IRA
• Minimum of $100 to Open Variable IRA
• Taxes deferred on Interest Earned

Health Savings Account
Account to pay for qualified medical expenses while earning interest.

• Balance to Open $50.00
• No Minimum Balance
• Interest Calculated Daily Based on Daily Collected Balances and Credited Monthly
• Interest Tiered Based on Account Balance
• Unlimited Withdrawals for Qualified Medical Expenses
• Monthly Statements
• Free Internet Banking
• Free HSA Debit Card
• Unlimited SMB&T ATM Access, Non-SMBT ATM Fee $1.75
• Set-Up Fee $15
• Personalized Checks at Cost