| Regular Savings | Standard & Premium Money Market Accounts | Personal Health Savings Accounts | More Personal Savings Options | |
|---|---|---|---|---|
| Description: | For customers who need flexible access to account funds | For customers who want to earn a higher interest rate while still having immediate access to investment dollars |
A savings account that individuals with high-deductible health insurance policies can fund and use to pay for medical expenses For more information, please refer to the complete list of Frequently Asked Questions
|
Minor Savings
Designed for customers that are 18 or under and want to earn interest on any balance Designed to help customers get a head start on holiday shopping |
| Opening Balance: | $50 | Standard: $2,500 Premium: $10,000 |
$100 + $20 set-up fee |
|
| Minimum Balance To Avoid Service Charge: |
$200 | $2,500 | $1,000 | Time Certificates of Deposit
Standard Time Certificates of Deposit offers fixed terms and rates from 90 days to 5 years and Jumbo Certificates of Deposit offers fixed terms and rates from 30 days to 5 years |
| Monthly Service Charge: (If minimum balance not maintained) |
$4 | Standard: $10 Premium: $12 |
$3 | |
| Interest: | If account is closed prior to interest payment period, you will not receive the accrued interest Interest accrues at current market rate Interest is compounded daily and credited to the account quarterly |
If account is closed prior to interest payment period, you will not receive the accrued interest
Rates are subject to change daily according to the current money market rates Money Market rate interest is earned only when a minimum balance is maintained Standard accounts Premium accounts |
Interest accrues at current market rate
Interest is accrued daily and paid quarterly If the account is closed prior to the interest payment period, interest will not be received |
|
| Transaction Limits: | Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, telephone, computer transfer, debit card or similar order are limited to six each four week period (statement cycle) An excess debit fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three each four week period (statement cycle) |
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, computer transfer, debit card or similar order are limited to six per each four week period (statement cycle)
$15.00 fee applies to 7th and all subsequent withdrawals each four week period (statement cycle) |
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| Benefits: | Flexible access to account funds
eStatements |
Tiered to pay higher rates for higher balances eStatements |
Unlimited check writing and debit card usage
Quarterly Statements Free Online Banking Flexible access to account funds Account earns interest at current market rate Tiered to pay higher rates for higher balances Tax-Advantage** |
*Substantial penalties may apply for early withdrawals of funds from a time deposit. ** You should consult your Tax Advisor regarding the tax benefits of contributing to a Health Savings Account. Please Note: This information is accurate as of February 2013. Central Valley Community Bank
reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.
Learn about other Central Valley Community Bank accounts
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| Personal Online Banking Access your account 24/7  Learn More |
Identity Theft Learn how to protect yourself from becoming a victim Learn More |
CDARS® Up to $50 Million in FDIC Insurance Learn More |
