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Personal Savings Comparison

Account Type

Statement Savings Money Market Account Premium Money Market

Account Summary

A great starter account - flexible savings program ideal for establishing child, household, holiday and travel savings. Statement Savings Step up to higher earnings and flexibility check writing provides convenient access to your funds. Money Market Account Maximize earnings and flexibility on your savings - convenient check access combined with our highest MMA rates. Premium Money Market

Minimum Opening Balance

$100 Statement Savings $1,000 Money Market Account $25,000 Premium Money Market

Earns Compound Interest

Yes - on all balances. Interest is compounded daily, posted quarterly. Statement Savings Yes - on all balances. Interest is compounded daily, posted monthly. Money Market Account Yes - on all balances. Interest is compounded daily, posted monthly. Premium Money Market

Monthly Service Fee

$5.00 Statement Savings $10.00 Money Market Account $15.00 Premium Money Market

Minimum to Waive Service Fee

$500 daily balance or $10,000 aggregate daily ledger balances Statement Savings $2,500 daily balance Money Market Account $25,000 daily balance Premium Money Market

Check Writing or Withdrawal Limitations

Yes (1) Note: check-writing access is not applicable. Statement Savings Yes (1) Money Market Account Yes (1) Premium Money Market

Excess Activity Fees

$3.00 each Statement Savings $10.00 each Money Market Account $10.00 each Premium Money Market

Frequency of Statement Cycle

Quarterly Statement Savings Monthly Money Market Account Monthly Premium Money Market

Rate Tiers

Up to $1,000
$1,000 to $2,499
$2,500 to $4,999
$5,000 to $9,999
$10,000 and over Statement Savings

Up to $9,999
$10,000 to $24,999
$25,000 and over (2)

Money Market Account

Up to $24,999
$25,000 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 to $499,999
$500,000 and over (2)

Premium Money Market

(1) You may make up to six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction.  An excess withdrawal fee will be imposed on each excess pre-authorized withdrawal. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
(2) If you deposit more than $250,000 into any Money Market Account and you withdraw $250,000 or more within 30 days from the date this deposit is made, we may reduce the amount of interest paid on the money withdrawn within this 30 days (negative rate adjuster). This negative rate adjuster will be 50 basis points.
To request a complete Truth in Savings Account Disclosure, you may contact us via email or call 916-372-9750 (West Sacramento) or 209-334-7400 (Lodi).