Effective

Savings Products

Sturdy Savings Bank offers a variety of personal savings accounts to satisfy your unique financial needs. For your convenience, all of our personal savings accounts include:

• e-Statements available
• Free Online Banking
• Free Mobile Banking
• Toll free telephone banking
• Interest compounded daily and credited monthly

Regular Savings

• $100 Minimum Opening Deposit
• ATM card available
• No fee for minors
• $100 Minimum Daily Balance
• $4 Monthly Service Charge if Below Minimum Daily Balance

  Minimum Daily Balance to Obtain APY*	Interest Rate**	APY***
  $100	.02%	.02%

Gold Savings

• $1,000 Minimum Opening Deposit
• ATM card available
• No fee for minors
• $2,000 Minimum Daily Balance
• $6 Monthly Service Charge if Below Minimum Daily Balance
• Tiered Interest

  Minimum Daily Balance to Obtain APY*	Interest Rate**	APY***
  $100 - $24,999.99	.02%	.02%
  $25,000-$49,999.99	.02%	.02%
  $50,000-$74,999.99	.02%	.02%
  $75,000-$99,999.99	.03%	.03%
  $100,000 +	.05%	.05%

Money Market

• $1,000 Minimum Opening Deposit
• $2,000 Minimum Daily Balance
• $10 Monthly Service Charge if Below Minimum Daily Balance
• Monthly Statement
• Tiered Interest

  Minimum Daily Balance to Obtain APY*	Interest Rate**	APY***
  $100 - $24,999.99	.02%	.02%
  $25,000-$49,999.99	.02%	.02%
  $50,000-$74,999.99	.02%	.02%
  $75,000-$99,999.99	.03%	.03%
  $100,000 +	.05%	.05%

Premier Money Market

• $100,000 Minimum Opening Deposit
• $2,000 Minimum Daily Balance
• $10 Monthly Service Charge if Below Minimum Daily Balance
• Monthly Statement
• Tiered Interest

  Minimum Daily Balance to Obtain APY*	Interest Rate**	APY***
  $100 - $24,999.99	.02%	.02%
  $25,000-$49,999.99	.02%	.02%
  $50,000-$74,999.99	.02%	.02%
  $75,000-$99,999.99	.03%	.03%
  $100,000 +	.05%	.05%

Holiday Club

• No Minimum Opening Deposit
• 52 Week term
• No minimum number of payments
• Funds will be disbursed from account at the end of term the first Wednesday each October and then mailed to you
• Deposits accepted in any amount at any time
• No withdrawals permitted during term
• $15 early closeout fee 

  Minimum Daily Balance to Obtain APY*	Interest Rate**	APY***
  $.01	.02%	.02%

Savings Retirement Account

• $100 Minimum Opening Deposit
• $100 Minimum Daily Balance
• IRA rules for contributions and distributions apply; please consult your tax advisor

  Minimum Daily Balance to Obtain APY*	Interest Rate**	APY***
  $100	.02%	.02%

 * Daily Balance (the amount of collected principal balance in the account each day).

** Variable rate accounts. Rates may change after account opening. Rates may change at any time at our discretion.  Current rates will be quoted at the time of opening an account or upon request (Call 609-463-5220).

*** Annual Percentage Yield (APY) assumes interest remains on deposit. Withdrawal of interest will reduce earnings. Fees may reduce earnings.

Account Disclosures