Statement
Savings

Minimum to open: $25
Minimum balance: $100
Quarterly service charge if minimum balance is not met: $1
Free ATM card: Yes
Free online banking: Yes
Free telephone banking: Yes
Special information:
$1 service charge per withdrawal in excess of 12 per quarter. Electronic and ATM withdrawals are unlimited.

Golden
Savings

Minimum to open: $25
Quarterly service charge: None
Free ATM card: Yes
Free online banking: Yes
Free telephone banking: Yes
Special information:
This account is available to account custodians and children age 18 years and younger. $1 service charge per withdrawal in excess of 12 per quarter. Electronic and ATM withdrawals are unlimited.

Money
Market

Minimum to open: $100
Minimum balance: $1,000
Monthly service charge if minimum balance is not met: $8
Free ATM card: Yes
Interest rates increase based on the following tiers:

• $1,000 - $2,499
• $2,500 - $9,999
• $10,000 - $24,999
• $25,000 - $49,999
• $50,000 and above

Special information:
Allowed six transactions per month, three of which can be checks. Unlimited in-bank and ATM withdrawals.

Certificates
of Deposit

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Minimum to open: $500
Minimum balance: $500
Monthly service charge: N/A
Special information:
Early withdrawal penalty applies.