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Which Savings Products Are Right For You?

Share Savings

Save for unplanned expenses and special purchases while earning dividends for balances over $100.1 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 and Premium.

Saver Certificates

Starting a savings plan couldn't be easier. Our 36-month Saver Certificate offers a lower minimum to open and better-than-savings dividends.

Share Certificates

Are you saving for longer-term goals and don't need immediate access to your cash? Our share certificates offer competitive dividends with guaranteed returns based on tiered balances and terms.

  Minimum to open Deposits and withdrawals allowed Check access Overdraft protection for checking
Share Savings $501 Yes2 No Yes
Money Market Accounts Ranges from $2,500 to $25,000 Yes2 Depends on product1,3 Yes
Saver Certificates  Ranges from $25 to $500 Only during grace period No No
Share Certificates Ranges from $2,500 to $100,000 Only during grace period 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 Account Agreement & Disclosure for full details.

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