Savings, Money Market Savings and Health Savings

We have accounts that offer an easy and convenient way to set money aside for a special purpose, for a rainy day, or to satisfy your need for investment diversification. 

Regular Savings

Open a savings account today and save for your future.  Our Regular Savings account allows immediate availability of your money.  You may also “link” your savings account to your checking account to prevent returned checks on insufficient funds.  This overdraft protection option is called “Savings Link.”

Money Market Savings

You’ve managed to save some money and are ready to earn a higher interest rate.  Our Money Market is the answer.

Health Savings

Health Savings Account (HSA) is a tax-deferred investment account, similar in many respects to an IRA, and used in conjunction with a qualified high deductible health plan. Earnings grow on a tax-deferred basis. Contributions and earnings dollars may be withdrawn at any time, federal income tax-free, for qualified medical expenses. At age 65, or upon disability, you may make withdrawals from your HSA for any reason.  Please consult with your employer to see if you qualify for a HSA and talk to a tax advisor regarding the advantages of opening a HSA.

Who is eligible for a Health Savings account?

An HSA can be established by an individual or sole proprietor of a business who is:

• Covered by a high deductible health plan (HDHP)
• Not yet enrolled in Medicare Part A or Part B
• Not listed as a dependent on another person's income tax return

Business owners may also want to consider Health Savings accounts for their employees as part of a comprehensive health care plan.

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