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Personal Savings

Savings can take many forms based on several factors:

  1. How quickly will you need the funds?
  2. Is this for a long term or short term need?
  3. How much are you going to start with?
  4. Expected rate of return

Your Q-branch banker can help you choose the best way(s) to save. You may want to open more than one type of account to achieve your goals. The best time to start is now. Put Q to work for you.

Q Young Savers Account

We encourage learning the habit of saving at an early age. This account requires no opening deposit and is a systematic way to save.

  • Minimum opening deposit - None
  • Age requirement - Under 18
  • No maintenance fee

Excessive withdrawal fee - You will be charged $5.00 per debit after 3 per quarterly statement cycle.

Transaction Limitations - Federal regulations limit the number of withdrawals you may make from this account type. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions from your account per month. Transactions not within these limitations may result in the closure of your account or the transfer of funds to another account type.

Q Savings Account

This account gives you instant access to your money. You would typically use this for short term savings or a place to deposit money you do not want in your checking account. Save here for gift giving time, vacations and down payments on vehicles or homes. This is a great place to keep cash for unplanned expenses. See below for minimum deposits and additional information.

  • Minimum opening deposit: $200.00
  • Minimum daily balance to avoid maintenance fee: $200.00
  • Quarterly maintenance fee: $9.00

Excessive withdrawal fee - You will be charged $5.00 per debit after 3 per quarterly statement cycle.

Transaction Limitations - Federal regulations limit the number of withdrawals you may make from this account type. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions from your account per month. Transactions not within these limitations may result in the closure of your account or the transfer of funds to another account type.

Q Money Market Account

Money market rates fluctuate. This account requires an opening deposit of $2500, but you still have easy access to the cash when needed. See below for minimum deposits and additional information. Your balance grows with tiered interest rates.

  • Minimum opening deposit - $2,500.00
  • Six FREE withdrawals per month
  • Minimum daily balance to earn interest and avoid maintenance fee: $ 2,500.00
  • Monthly maintenance fee: $10.00

Excessive withdrawal fee - You will be charged $5.00 per check/debit after 6 per statement cycle.

Transaction Limitations - Federal regulations limit the number of withdrawals you may make from this account type. You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle. Transactions not within these limitations may result in the closure of your account or the transfer of funds to another account type.

Please see your Customer Service Representative for current tiers and rates.

Q Certificates of Deposits (CD)

This type of savings can be tailored with maturity dates to meet your needs and your interest rate will vary with the length of maturity. This simply means that CDs may require a bit more planning on your part, since you get the greater return when you invest longer. Call your Q-banker for details and current rates.

  • Minimum opening deposit - $500.00
  • Maturities available to meet your needs
  • Competitive interest rates vary with the length of maturity

Subject to penalties for early withdrawal.

Q IRA Account

Which type of IRA account is best for you? IRAs offer unique benefits and eligibility requirements. Choose between a ROTH IRA, Traditional IRA or Rollover IRA for existing retirement savings. If you are saving for retirement, talk to your Q-branch banker and get the latest information on IRAs and retirement savings. Terms and conditions apply to fixed rate IRA products.

  • Minimum opening deposit Traditional IRA - $100.00
  • Minimum opening deposit Roth IRA - $100.00
  • Competitive interest rate
  • Interest compounded annually
  • Subject to IRS regulations
  • Contributions are allowed annually to IRAs with maturities greater than one year

Subject to bank/IRS penalties for early withdrawal.

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