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Savings accounts

Personal Savings 1,3,4

Safer than your mattress, the Personal Savings account is a great starter account that provides principal security at a modest interest rate.

Requirements Minimum to open ~ $100
Minimum daily balance to earn interest ~ $100
Benefits Monthly maintenance fee ~ waived with daily balance of $100 or more
Interest is compounded and paid quarterly
One  withdrawal/debit at no charge  per month
Cost Monthly maintenance fee with daily balance under $100 ~ $3
Excessive activity fees for each withdrawal/debit after one at no charge ~ $1 each

MainStay Savings Account 1,3

For those who want to ramp up their savings, the MainStay Savings account will help with a premium quarterly yield.

Requirements Minimum daily balance to open and earn interest each quarter ~ $2,500
Benefits Monthly maintenance fee ~ waived with daily balance of $2,500 or more
Higher yield than most savings accounts
Interest is compounded and paid quarterly
One withdrawal at no charge  per quarter
Cost Monthly maintenance fee with daily balance under $100 ~ $3
Excessive activity fee for each withdrawal/debit after 1 at no charge ~ $1 each

1.Interest Rates and Annual Percentage Yields (APY) are variable and may change at any time at the Bank’s discretion. No floor or ceiling has been established. A minimum daily balance must be maintained to obtain the APY. The minimum balance that must be maintained is equal to the "Minimum Daily Balance to Earn APY" amount disclosed for each product. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We use an interest accrual basis of 365 days for each day of the year. Interest begins to accrue no later than the business day after the bank receives credit for the deposit of non-cash items such as checks. Accrued but unpaid interest may not be paid if the account is closed. Seven Days’ notice of withdrawal may be required. Fees could reduce earnings on all accounts.

2.Reordered Visa Check Cards after the first one, a charge of $5.00 will apply.

3.Federal eligibility requirements apply for NOW ACCOUNTS ONLY.

4. Covered transactions include preauthorized, automatic transfers (including but not limited to, transfers from the savings deposit for overdraft protection or for direct bill payments) and transfers made by check, debit  card, or other similar order made by the depositor and payable to third parties.


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