Personal Savings

Personal
Savings

Savings can take many forms

Find out what is right for you.

 

funds

How quickly will you need the funds?

Is this long-term or short-term?

Is this long-term or short-term?

How much will you start with?

How much will you start with?

What is your expected rate of return?

What is your expected rate of return?

 

We can help you choose the best way(s) to save.
You may even want to open more than one type of account to achieve your goals.

Call your Q banker today.

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Q Young Savers Account

for customers Under 18 years old
perfect First savings account

We encourage learning the habit of saving at an early age. Perfect for customers under the age of 18, this account requires no opening deposit and is a systematic way to save.

Account details

Minimum opening deposit

$0.00

Age Requirement

Under 18

Maintenance Fee

$0.00

Excessive withdrawal fee

You will be charged $5.00 per debit after three (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

IDEAL FOR SHORT-TERM SAVINGS
GREAT FOR UNPLANNED EXPENSES

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.

Account Details

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 three (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

EASY ACCESS TO YOUR CASH
BALANCE GROWS WITH INTEREST

Money market rates fluctuate. This account requires an opening deposit of $2,500, but you still have easy access to the cash when needed. Your balance grows with tiered interest rates.

Account Details

Minimum opening deposit

$2,500.00

free monthly withdrawals

6

Minimum daily balance to avoid maintenance fee

$2,500.00

Monthly maintenance fee

$10.00

Excessive withdrawal fee

You will be charged $5.00 per debit after six (6) per monthly 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 certificates of deposits (cds)

TAILORED TO MEET YOUR NEEDS
LONGER INVESTMENT, GREATER RETURN

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.

Account Details

Minimum opening deposit

$500.00

maturities available to meet your needs

competitive interest rates vary with the length of maturity

early withdrawal info

Subject to penalties for early withdrawal.

ira accounts

Save for retirement
Open with as little as $100.00

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.

Account Details

traditional ira

Minimum opening deposit

$100.00

roth ira

Minimum opening deposit

$100.00

interest compounded annually

competitive interest rate

regulations

Subject to IRS regulations.

contributions

Contributions are allowed annually to IRAs with maturities greater than one year.

early withdrawal info

Subject to bank/IRS penalties for early withdrawal.

If you need help deciding which account is right for you, call your Q banker today.

Find a Location

If you need quick assistance, our personal calculators are easily accessible to help you make important financial decisions whenever you may need to.

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