Personal Deposit Accounts

 

  Minimum
Deposit
to Open
Minimum
Balance to
Obtain APY
Interest
Rate
Annual Percentage
Yield (APY)
Essential Checking $25 N/A N/A N/A
NOW Checking $300 $300 0.03% 0.03%
Peak Money Market $2,500 $2,500 0.25% 0.25%
$25,000 0.35% 0.35%
$50,000 0.40% 0.40%
$75,000 0.45% 0.45%
Premier Money Market  $75,000 $1,000 0.10% 0.10%
$75,000 1.74% 1.75%
Passbook Savings $10 $10 0.03% 0.03%
Statement Savings $25 $100 0.05% 0.05%
$50,000.01 0.10% 0.10%
IRA Passbook Savings $250 $10 0.35% 0.35%
Kids Club $10 $10 0.03% 0.03%
Holiday Club $1,2,5,10,15,20,
25,50,100
N/A N/A N/A

Other terms and conditions may apply. Rates are subject to change without notice. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. See additional information below or a Customer Service Representative for a complete account disclosure.
 

Additional Account Information

Essential Checking: eStatements are required for this account.

NOW Checking: If the daily balance falls below $300 on any day of the statement cycle, a fee of $7.00 applies. There are no minimum or maximum interest rate limits on this account. 

Peak Money Market: If the daily balance falls below $2,500 on any day of the statement cycle, a fee of $5.00 applies. The APY and interest rate on tiered rate accounts will change based on the account balance. If the balance increases or decreases into a different tier, the new yield and rate will take effect the date the balance changes and applies to the entire balance of the account. Limit 6 withdrawals or transfers per statement cycle. 

Premier Money Market: The APY and interest rate on tiered rate accounts will change based on the account balance. If the balance increases or decreases into a different tier, the new yield and rate will take effect the date the balance changes and applies to the entire balance of the account. Limit 6 withdrawals or transfers per statement cycle. For existing FSB customers, $10,000 of the total $75,000 minimum balance requirement must consist of new, non-FSB deposits in order to obtain the stated APY. 

Statement Savings: If the daily balance falls below $300 on any day of the statement cycle, a fee of $3.00 applies. There are no minimum or maximum interest rate limits on this account. 

IRA Passbook Savings: Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. 

Holiday Club: Bonus equal to the denomination of the club will be paid if the balance is equal to 50 payments by the final payment date.