Savings, Money Markets and Certificates of Deposit

Account Type Minimum to Open Monthly Service Charge
Personal Savings
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$0 No monthly service charge if $100 balance is maintained. ($2 if balance falls below minimum any day of the month.)
  • This is a variable interest rate account that earns competitive interest.

  • $100 minimum balance requirement; $2 charged monthly if minimum is not maintained. (*Does not apply to minor account holders).

  • This account is limited to six withdrawals/ transfers per month

     

Money Market
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$0 No monthly service charge if $2,500 balance is maintained. ($10 if balance falls below minimum any day of the month.)
  • This is a variable interest rate account offering competitive tiered interest rates.

  • $2,500 minimum balance requirement; $10 charged monthly if minimum is not maintained.

  • Check writing available.

  • This account is limited to six withdrawals/ transfers per month

Certificate of Deposit
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$500 None
  • Competitive interest rates and a variety of terms to meet your needs.

  • No set-up or annual fees.

  • $500 minimum balance.

IRA*
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$50 None
  • Competitive variable interest rates.

  • No setup or annual fees.

  • Qualified contributions may be made at any time.

  • Traditional and Roth IRA Plans available.

  •  $50 minimum balance.

*Please consult a tax advisor regarding eligibility.

Health Savings Account (HSA)*
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$0 None
  • This is a variable interest rate account that earns competitive interest.

  • Free VISA Debit Card.

  • No monthly service charge.

  • Enables you to pay for qualified current health expenses and save for future medical expenses.

  • Available with a qualifying High Deductible Health Plan (HDHP)

  • Unused funds are retained and not forfeited at year-end as with some flexible spending accounts.

*Health Savings Account (HSA) - Please consult a High Deductible Health Plan (HDHP) provider regarding eligibility and contribution/distribution requirements.

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*Fees could reduce earnings on accounts. Interest may change on account after opening. Other fees such as overdraft, returned item, continuous overdraft, dormant fees, etc. may apply. See fee schedule for details.

*First Security Bank pays highly competitive interest rates on CDs and deposits are insured to at least $250,000 by the FDIC.