

Personal Accounts > Savings
Checking  Savings  Certificate of Deposit Golden SavingsMinimum balance to open the account You must deposit $100.00 to open this account Rate Information Your interest rate and annual percentage yield may change. We may change the interest rate on your account at any time. Determination of rate At our discretion, we may change the interest rate on your account. Compounding and crediting frequency Interest will be compounded every quarter. Interest will be credited to your account every quarter. Effect of closing an account If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield. Average daily balance computation method We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is a quarterly statement cycle Transaction limitations You may withdraw funds only during the first ten days of the calendar quarter. If a withdrawal is made outside of the specified withdrawal period, your account may be closed. Accrual of interest on noncash deposits Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks). Silver Savings Minimum balance to open the account You must deposit $100.00 to open this account Rate Information Your interest rate and annual percentage yield may change. We may change the interest rate on your account at any time. Determination of rate At our discretion, we may change the interest rate on your account. Compounding and crediting frequency Interest will be compounded every quarter. Interest will be credited to your account every quarter. Effect of closing an account If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield. Minimum balance to avoid Minimum Balance Fee A minimum balance fee of $10.00 will be imposed every quarterly statement cycle if the account falls below $100.00 anytime during the quarterly statement cycle Average daily balance computation method We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is a quarterly statement cycle Transaction limitations Withdrawals or transfers from a Silver Savings account to another account by preauthorized, automatic, or telephone transfers are limited to six per quarter. Accrual of interest on noncash deposits Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks). 

