Personal Savings

Savings Accounts

please click on an account type to view details

A great account to earn interest with a low minimum balance.

Summary:

  • $100.00 Minimum Daily Balance Requirement
  • $3.00 Monthly maintenance fee if below minimum
  • $3.00 Transaction fee for each withdrawal in excess of four in one month
  • Free Debit/ATM card linked to Checking & Savings
  • Free Online Banking
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements

Keep your money liquid with this convenient account that gives you limited check writing ability. Plus, the more you save the more you earn with tiered interest rates.

Summary:

  • $500.00 Minimum Daily Balance Requirement
  • $10.00 Monthly maintenance fee if below minimum
  • $12.00 Transaction fee for each withdrawal in excess of four in one month
  • Account interest rate tiers:
    • $0.00-$49,999.99
    • $50,000-$99,999.99
    • $100,000-$249,999.99
    • $250,000-$499,999.99
    • $500,000 +
  • Free Debit/ATM card linked to Checking & Savings
  • Free Online Banking
  • Online Bill Pay ($5.95 fee waived if used once per statement cycle)
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements
  • Customer pays for check printing

Take advantage of the great tax benefits of a Health Savings Account.  Plus, you’ll earn interest and have check and Debit Card access for health related expenses.

Summary:

  • $25.00 Fee to transfer balance to another institution
  • HSA interest tiers:
    • $0.00-$999.99
    • $1,000.00-$4,999.99
    • $5,000.00+
  • Free Debit/ATM card
  • Free Online Banking
  • Free Mobile Banking
  • Free eStatements
  • Customer pays for check printing

Help your kids learn good savings habits at a young age. Available for kids through age 12 with a great interest rate.

Summary:

  • $10.00 Minimum Daily Balance Requirement
  • $3.00 Monthly maintenance fee if below minimum
  • Free Online Banking
  • Free Mobile Banking with Mobile Deposit
  • Free eStatements

Earn our best interest rates with a CD.  They can add more security to your savings with guaranteed rates.  Click here to see our current rates and terms.

Summary:

  • $500.00 Minimum deposit to open
  • Full range of terms available
  • Penalty for early withdrawal may apply

Add more flexibility and security to your retirement funds.  You can select a Savings or Fixed Rate CD Accounts.

Savings Summary:

  • Savings tiers:
    • $0.00-$999.99
    • $1,000.00-$4,999.99
    • $5,000.00+

Certificate of Deposit Summary:

  • $500.00 Fixed rate CD minimum balance
  • Full range of terms available
  • Penalty for early withdrawal may apply
  • $25.00 Trustee to Trustee transfer to another financial institution
  • $25.00 IRA Plan Closing Fee

Save throughout the year to help pay for holiday cheer! It’s a great way to save for holiday shopping, a vacation, or any other extra special purchases.

Summary:

  • Enrollment period November 1st to January 31st
  • $5.00 Minimum Club amount
  • $5.00 Transaction fee for each withdrawal before the maturity date
  • Final deposit must be made by November 1st of following year
  • Bonus of your club amount paid by First Bank of Baldwin if balance at maturity equals 49 payments of your club amount.