Personal Savings Accounts

Regular Savings

  • Interest bearing account
  • No service charge if minimum ledger balance is over $100.00. If minimum ledger balance falls below $100.00, there is a $10.00 per quarter maintenance charge
  • There is a charge of $2.00 per withdrawal in excess of 6 per quarter
  • Minimum required to open is $100.00

Money Market

Transactions are limited to six per month, three of which may be by check. There is no limit on ATM withdrawals, or withdrawals in person or by messenger.

  • Tiered rate account
  • Tiers:
  • 0-$2,499.99
  • $2,500.00-$9,999.99
  • $10,000.00-$24,999.99
  • $25,000.00-$49,999.99
  • $50,000.00-$99,999.99
  • $100,000.00+
  • Interest is paid on minimum ledger balance for the month
  • If balance falls below $2,500, there is a $20.00 per month maintenance charge
  • Minimum required to open is $2,500

Christmas Club Savings

  • No minimum balance requirement
  • Check for balance on October 31 cut-off is either mailed to you or deposited to the account of your choice
  • Interest bearing account, paid annually on October 31
  • Any withdrawals made prior to October 31 will be assessed a $10.00 fee per early withdrawal
  • Minimum required to open is $10.00

Health Savings Account

The Health Savings Account (HSA) is a special tax-advantaged account that is used with a high-deductible health plan and allows you and your family members to pay for various qualified medical expenses from co-payments at your doctor's office to pharmacy bills, dental care, vision care, and more. More information about an HSA is available at Treasury's HSA web site:

  • Minimum required to open is $100
  • Set up fee of $35.00
  • Annual fee of $10.00
  • If balance falls below $25.00, a $5.00 monthly maintenance charge will be assessed
  • Available to persons with a High Deductible Health Plan. Statement of HSA qualification from your insurance company will be required.
  • Employee and/or employer contributions can fund the account
  • Medical related expenses may be withdrawn tax free

Individual Retirement Accounts

  • Traditional IRA's
  • Tax deductible
  • Interest earned is non-taxable

Certificates of Deposit

Lock in a higher rate of interest on terms from 3 months to 5 years. Call us at (620) 251-1313 for current rates.