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 0.03% 0.03%
$25,000 0.05% 0.05%
$50,000 0.05% 0.05%
$75,000 0.15% 0.15%
Premier Money Market  $75,000 $1,000 0.05% 0.05%
$75,000 0.15% 0.15%
Statement Savings $10 $10 0.03% 0.03%
$100 0.05% 0.05%
$50,000 0.10% 0.10%
Holiday Club $1 $1 0.50% 0.50%

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.
 

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Additional Account Information

Essential Checking: eStatements are required for this account.

NOW Checking: If the daily balance falls below $300.00 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. 

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. If the account falls below $75,000 on any day of the statement cycle, a fee of $10.00 applies. 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 $10.00 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. 

Holiday Club: A minimum of $1.00 is required to open this account. Interest is paid on daily balances up to $5,000. Deposits in any amount may be made throughout the Club season. After October 3rd, a check representing your current account balance plus any accrued interest will be issued and your account balance will be zeroed out.

 

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