Passbook Savings Account

• Opening Balance: $100.00
• Minimum Balance: $100.00
• Interest compounds daily and paid monthly
• Variable interest bearing account (1)
• $3.00 Monthly Service Charge (3)

ATM Savings

• Opening Balance: $100.00
• Minimum Balance: $200.00
• Interest compounds daily and paid monthly
• Variable interest bearing account (1)
• ATM Card (2)
• $1.50 Monthly Service Charge (3)

Money Market Savings Account

• Opening Balance: $100.00
• Minimum Balance: $200.00
• Interest compounds daily and paid monthly
• Variable interest bearing account (1)
• $1.50 Monthly Service Charge (3)

Kiddy Account

• Opening Balance: $1.00
• Minimum Balance: $1.00
• Interest compounds daily and is paid monthly

Certificates of Deposit (CD)

• Terms Range from 30 Days to 3 years.
• You may open a term account with as little as $1,000.00

For more information, please see Certificates of Deposit.

Individual Retirement Account (IRA)

• Minimum Balance: $100.00
• 18 Month Term Account

For more information please see Individual Retirement Account.



(1) Annual Percentage Yield (APY) varies daily with account balance.
(2) You will receive an ATM card and Personal Identification Number (PIN) which can be used to process transactions at all STAR systems Automated Teller Machines (ATM), 24-hours a day, 7 days a week.

(3) Minimum balance is required or compensating balance of $10,000.00 in any other Universal Bank account to avoid monthly service charge.