Personal Products and Services

Effective January 3, 2012

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
Toll free telephone banking
Interest compounded daily and credited monthly

	Minimum Opening Deposit	Minimum Balance	Monthly Fee if Below Minimum Balance	Minimum Daily Balance to Obtain APY*	Interest Rate**	APY***	Added Features
Regular Savings	$100	$100	$4	$100	.05%	.05%	Passbook or statement format ATM card available No fee for minors
Gold Savings	$1,000	$2,000	$6	$100- $24,999.99	.05%	.05%	Passbook or statement format ATM card available No fee for minors
				$25,000-$49,999.99	.15%	.15%
				$50,000-$74,999.99	.30%	.30%
				$75,000-$99,999.99	.55%	.55%
				$100,000 +	.65%	.65%
Money Market	$1,000	$2,000	$10	$100- $24,999.99	.05%	.05%	Statement format
				$25,000-$49,999.99	.15%	.15%
				$50,000-$74,999.99	.30%	.30%
				$75,000-$99,999.99	.55%	.55%
				$100,000 +	.65%	.65%
Premier Money Market	$100,000	$2,000	$10	$100- $24,999.99	.05%	.05%	Statement format
				$25,000-$49,999.99	.15%	.15%
				$50,000-$74,999.99	.30%	.30%
				$75,000-$99,999.99	.55%	.55%
				$100,000 +	.65%	.65%
Holiday Club	None	None	None	N/A	N/A	N/A	$2, $5, $10 and $20 per week denominations Bank makes final payment on completed accounts $10 early closeout fee
Passbook Retirement Account	$100	$100	N/A	$100	.05%	.05%	IRA rules for contributions and distributions apply

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

** 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