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Savings & Certificates

To meet your specific savings needs, we offer a full range of products that vary in dividend rates, ease of access, and balance levels.

 
 

Which Savings Product Is Right For You?
 

Share Savings

Save for unplanned expenses and special purchases while earning dividends for balances over $1001. Use also for overdraft protection on Island Checking.

Money Market Accounts

Earn better-than-savings dividends while retaining liquidity. Choose from our two types of money market accounts - Island Investor and Premium.

Share Certificates

Are you saving for long-term goals and don't need immediate access to your cash? Our wide selection of share certificates provides our highest yields with guaranteed returns based on tiered balances and terms.
 
NEW Open a new 36 Month Saver Certificate with as little as $254

MatriMoneySM

Giving wedding cash is a breeze with this unique, interest-bearing savings account for couples about to be married.

 
  Share Savings Money Market Accounts Share Certificates MatriMoneySM
 
Minimum to open $52 Ranges from $2,500 to $25,000 Ranges from $500 to $100,000 $200
Deposits and withdrawals allowed Yes1 Yes1 Only during grace period Yes1
Check access No Depends on product1,3 No No
Overdraft protection for checking Yes Yes No No
 

Terms & Conditions

1 Dividends are only paid out for balances over $100
 

2 No more than six non-branch transfers, withdrawals, checks, or electronic debits per calendar month from your share savings or money market accounts. Refer to our Deposit Account Agreement & Disclosure for full details.
 

3 Premium Money Market Accounts come with check writing privileges (up to three cleared checks per month)
 

4 Requires minimum deposits of $50 per month. If any withdrawals, including dividend withdrawals, are made prior to maturity, the rate becomes the same as our regular share savings rate. 180-day dividend early withdrawal penalty applies.