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Personal Banking

Savings

A savings plan for every savings goal.

Statement Savings

Our most basic savings account will help you get started, no matter what you’re saving for. This account features a low minimum balance to earn interest, a free ATM card and free ATM banking (other banks’ fees may apply).

Money Market Account

The greater your balance, the higher your rate of interest with this tiered rate account. A current monthly balance of $5,000 waives the monthly maintenance fee. You can make six (6) transfers per month. This account offers a free ATM or Visa® Debit Card and free ATM banking (other bank’s fees may apply).

Easy-Add Liquid CD

This special CD lets you deposit or withdraw funds from your CD as you need to with certain limitations and requires a minimum opening deposit of $15,000. Ask one of our Personal Bankers for more details!

Regular Certificates of Deposit

CDs are a great way to save if you don’t need to get to your money right away. Choose terms from three months to five years for the flexibility you need to meet your goals. All regular CDs require a minimum opening deposit of $1,000.

All of our CDs
  • Automatically renew at maturity
  • Allow additional deposits during the grace period (10 days after maturity)
  • Earn interest that is compounded daily on the current balance, and paid or transferred monthly.

IRAs

Ask one of our Personal Bankers about a Roth or traditional IRA savings plan.

Penfield Preferred Personal Savings Account

A tiered, high yield savings account, our Penfield Preferred Personal Savings Account is a great place to keep your money. The greater your balance, the higher your interest rate, and you can conveniently transfer money to your checking account when you need to. Six (6) transfers are allowed per month.