COMMUNITY SAVINGS

Whatever your financial goals, we have a solution to help you meet them. Our basic savings plan provides you a passbook to help you keep track of your progress.

• A simple starter savings account
• Variable interest rate*
• Interest earned on all balances
• Open with as little as $200
• Six (6) electronic transfers/withdrawals allowed per month**
• No semi-annual fee if account maintains a minimum balance of $200

*Please call for current rates

**Excess Electronic Transfer/Withdrawal fee applies

COMMUNITY PLUS MONEY MARKET

Choose this account if you seldom access your funds, but want to earn interest and not be bound to a CD term and maturity. Our Money Market Account allows you to save with the added flexibility of limited check writing. Open this account with $2,500 and maintain this balance to earn competitive interest rates with no monthly service charge.

• Variable rate account*
• Open with $2,500
• Interest earned on daily balances of $2,500
• No monthly fee if account maintains a minimum balance of $2,500
• Six (6) electronic transfers/withdrawals allowed per month**

The interest rate and annual percentage yield for this account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.

*Please call us for current rates.

**Excess Electronic Transfer/Withdrawal fee applies.

COMMUNITY FIRST CHRISTMAS CLUB

Don’t let the Holiday Blues get you down! Start planning for a joyous season by opening a Community First Christmas Club account. Save a little at a time or as much as you want, all while earning competitive interest. When the time comes, you can break the virtual piggy bank and take care of all your Christmas needs!

• Save throughout the year for Christmas needs
• $1 minimum opening balance
• No minimum balance to maintain
• No service charges
• Accrued interest is forfeited with early account closing
• Variable rate account*

*Please call us for current rates.

COMMUNITY FIRST KIDS CLUB SAVINGS

Saving has never been so fun! $25 is all it takes to open a Kids Club savings account for your little ones. It’s never too early to teach your youngsters the importance of saving. Open one today!

• Teach your kids the value of saving
• Competitive interest rates*
• $25 minimum opening deposit
• Six (6) electronic transfers/withdrawals allowed per month**
• No minimum balance to maintain
• No service charges

*Please call us for current rates.

**Excess Electronic Transfer/Withdrawal fee applies

CERTIFICATES OF DEPOSIT (CDS)

CDs are a reliable, risk-free savings vehicle to safely tuck away money if you don’t need it right away. Our friendly staff will help you choose the best term for your savings goal. If you withdraw funds before the selected maturity, interest penalties will apply. Think of this as a built-in security system to stay on course with your savings!

INDIVIDUAL RETIREMENT ACCOUNT (IRAS)

Whether you have an employer sponsored retirement plan or not, an IRA is a great tool to help you prepare for a happy retirement. An IRA, whether traditional or Roth, enhances your savings with a variety of tax advantages and terms suited to your specific lifestyle and goals. It is never too soon to start planning for the future. Let us help you make your golden years the best of your life!

• A safe investment for your future
• Tax-advantaged retirement savings*
• Interest rates well above standard savings
• Traditional and Roth IRAs available
• No setup fees
• No monthly or annual maintenance fees
• Additional $1,000 “catch-up” contribution allowed for ages 50+
• Funds can be used to purchase CDs within IRA
• $500 minimum deposit to open

*Consult a tax advisor.

Please call us for current rates.

HEALTH SAVINGS ACCOUNT (HSA)

Our Health Savings Account (HSA) is a new account designed for people with High Deductible Health Plans (HDHPs).

HSAs have many advantages like tax-free benefits, roll-over savings, and a debit card to use for deductibles, co-pays, medications, and more. Take control of your health — and your future!

• Enjoy tax-free benefits
• Roll-over savings each year
• Build up savings to cover expenses as they arise
• Debit card to pay for qualified medical expenses:
• Health insurance deductibles
• Co-payments
• Medications
• Out-of-pocket expenses
• Puts you in control without relying on a third party or health insurer

*Please call us for current rates.