Savings

A savings plan for every savings goal.

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.

• 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 at maturity for CDs that have a maturity of less than one year and monthly for CDs that have a term of one year or more.

IRAs

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

Penfield Personal Savings Account

A high yield savings account, our Penfield Savings Account is a great place to keep your money. For your convenience, you can transfer money to your checking account when you need to. Six (6) transfers are allowed per month.