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Personal Saving, Investing, and Planning

Click on the question to find out more about the accounts we offer. Compare our savings accounts in the quick and simple table, see below.

Click on the details link to find out more about the accounts we offer, or use our wizard and find the account that is right for you. If you want to compare our savings accounts in a quick and simple table CLICK HERE.

Regular Savings
  • Minimum to open $5
  • Minimum daily balance $100
  • Service charge of $2 if balance falls below minimum
  • Withdrawal charge of $1 in excess of 6/month
  • Interest paid quarterly
Moola Moola Savings (children 13 and under)
  • Minimum $1 to open
  • No minimum balance
  • No service charge or per-item charge
  • Interest paid quarterly
  • Parties throughout the year and a prize for each deposit
Money Market Checking
  • Minimum $50 to open
  • Minimum daily balance of $2,500
  • Service charge of $7.50 if balance falls below minimum
  • In-person transfers and withdrawals unlimited
  • Certain restrictions may apply to transfers by other methods
  • Free debit/ATM card
Certificates of Deposit
  • Terms range from 6 months to 5 years with varying interest rates*
  • Various minimum deposit requirements
  • Interest rate locked in at time of deposit
Individual Retirement Account
  • Traditional and Roth IRA plans are available*
  • Ask our Investment Advisor for details
Health Savings Account
  • Save for medical and retiree health expenses on a tax-free basis. SMB offers an interest-bearing HSA checking account.
  • Ask your tax accountant if you qualify.
    An HSA gives you:
    • Security - Your high deductible insurance and HSA protect you against high or unexpected medical bills.
    • Affordability - You should be able to lower an HSA.
    • Flexibility - Use funds to pay for current bills, or save the money for the future.
    • Savings - Set money aside for future medical expenses and grow your account through interest earnings.
  Passbook Savings Moola Moola
13 & Under
Minimum To Open $5 $1
Minimum Daily Balance $100 None
Service Charge Per Month If Below Minimum Daily Balance $2 None
Per Item Charge $1/withdrawal in excess of 6/mo. None
Earns Interest Yes - Paid Quarterly Yes - Paid
Quarterly
  Passbook
Savings
Moola Moola
13 & Under
Minimum To Open $5 $1
Minimum Daily Balance $100 None
Service Charge Per Month If Below Minimum Daily Balance $2 None
Per Item Charge $1/withdrawal in excess of 6/mo. None
Earns Interest Yes - Paid Quarterly Yes - Paid
Quarterly

*Penalties for early withdrawal apply

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