Savings

• $100 minimum opening deposit
  
• Maintain $100 balance to avoid $6.00 quarterly service fee
  
• Interest paid on 100% of daily balance
  
• Limited to six free pre-authorized withdrawals or telephone tranfers per quarter
  
• $3.00 excess withdrawal fee for every transaction over six per quarter
  
• Interest earned daily & credited quarterly

Piggy Bank Saving

• $50.00 minimum opening deposit
  
• No quarterly service maintenance fee
  
• Interest paid on 100% of daily balance
  
• Interest earned daily & credited quarterly

Money Market Accounts

• $1,500 minimum opening deposit
  
• Maintain $1,500 daily balance to avoid $10.00 monthly service charge
  
• Limited to six third-party transactions per statement cycle, three of which may be by check, draft, debit card, or similar means. Unlimited in-person withdrawals
  
• Free Debit Card - ATM Fees waived
  
• Interest earned on 100% of collected balance
  
• Variable interest earned on Tiered Basis

  $5,000.00 - $19,999.99

  $20,000.00 - $49,999.99

  $50,000.00 & over

• Imaged Statements
  
• Excessive withdrawal fee of $10.00 per item over regulatory limit

Certificate of Deposits

• $500.00 minimum deposit
  
• Term from seven days to five years
  
• Interest compounded --- on 100% of the balance, credit @ maturity or annually
  
• Interest may be paid monthly, quarterly, semi-annually, annually or at maturity, by check or direct deposit into another SSB account
  
• No withdrawals allowed
  
• Penalty for early withdrawals
  
• Automatically renewable at interest rate in effect for term of C.D.