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Savings

	Regular Savings	Holiday Savings	Youth Savings
Minimum amount to open	$100	$100	$0
Monthly service charge	$5	$0	$0
Minimum amount to open	$100	$100	$0
How can the service charge be waived?	Waived if member has a combined minimum daily balance of $100 under one member number (excluding checking) or if the member is under age 18.	N/A	N/A
Annual Percentage Yield	Earned is based on tiers - $ 100 - $ 2,499 $2,500 - $ 9,999 $10,000 - $24,999 $25,000 - and up Higher balances earn higher APYs.	Not tiered - anything over $100 earns the same APY.	A minimum average daily balance of $5 is required to earn dividends. The Annual Percentage Yield earned is based on tiers like a Regular Share Account.
Who might best benefit from this type of checking account?	Perfect for any member.	Member who wishes to set aside money for "holiday" spending (or for any other special purpose).	For members whom are under 18 years of age wanting to save. Parent or legal guardian must sign as joint owner on a Youth Savings Account.
Perks	Can be set up as Overdraft Protection for a checking account. Overdrafts will be made in $100 increments. An ATM Card can be issued on a savings account only if member qualifies.	Can be set up as Overdraft Protection for a checking account. Overdrafts will be made in $100 increments.	Youth an earn dividends with as little as $5 in their accounts. ATM Card may be issued on a Youth Savings account.
Transaction Limit	Limit of (5) cash/check withdrawals in a branch. After that, there is a fee of $5 per transaction - waved if members is under 18 or has a combined minimum balance of $5000 under the same member number.	Limit of (5) cash/check withdrawals in a branch. After that, there is a fee of $5 per transaction - waved if members is under 18 or has a combined minimum balance of $5000 under the same member number.	Limit of (5) cash/check withdrawals in a branch. After that, there is a fee of $5 per transaction

All Savings Accounts are limited to six (6) electronic transfers in a month to a third party or to another credit union account to enforce Regulation D. This ensures that the Savings Account does not become a "transaction account" as defined by the Federal Reserve Board.

Limited transactions include: Preauthorized, automatic, or telephonic transfers (by the Telephone Branch or through Touch Teller) and online transfers (through Online-banking) to another account of the member or to a third party. No more than three of the six withdrawals or transfers can be by check, draft or similar order to a third party.

The following transactions are NOT subject to Regulation D limitations: transfers to pay loans at the credit union, transfers made by mail, ATM or in person and withdrawals made by a telephone instruction that results in a check being made to the member.

If you are interested in securing your savings, just click here to let us know or call us and speak with a Telephone Services Associate 24 hours a day/7 days a week 916.985.6700 or 800.669.1313 (outside 916).