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ProductMinimum BalanceInterest BearingAccount DetailsAdditional Fees
Personal Savings $100 Yes
  • Interest compounded semiannually using daily balance
  • Maximum 24 debits per semi-annual statement cycle (excluding debit card transactions)
  • $2.00/cycle if below minimum balance requirement
  • $0.50 for each debit in excess of 25 posted during semi-annual statement cycle
Christmas Club $1.00 Yes
  • Interest compounded annually using daily balance
  • You may not make withdrawals from this account
  • Last Deposit Date: October 17, 2025
  • Renewal Policy: Unless you notify us on or before the Last Deposit Date, this account will automatically renew.
  • Statement balance paid out by automatic deposit into First Trust account, or by Christmas Club check.
None
Buck-aroos Kids’ Club $10.00 Yes
  • Maintain minimum balance to earn 0.50% APY
  • Eligibility: 0-12 years. Upon reaching 13, the account will convert to a Personal Savings account.
  • Withdrawals may only be made the first 10 days of each quarter (January, April, July, October)
None