Learning to Fly
The Learning to Fly account is for individuals age 25 and under who are learning to save. Within 12 months of reaching the age of 26, this account will be converted to a Regular Savings account.
Account Benefits
- Educational Opportunities
- Newsletters
- Special Events
Rate Information
View our current rate information.
Compounding and Crediting
Interest will be compounded every month. Interest will be credited every month.
Minimum Balance Requirements
There are no minimum balance requirements to open the account.
Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits
Interest begins to accrue no later than one business day after we receive credit for the deposit of noncash items (for example, checks).
Fees
The following fees may be assessed against your account:
Deposit Account Early Closing Fee* | $20.00 per account |
Stop Pay Fee | $30.00 per request |
Returned Item Fee | $3.00 per item |
Dormant Account Fee** | $5.00 per month |
Returned Mail Fee | $5.00 per month |
Wire Transfer Fee | $15.00 |
International Wire Transfer Fee | $50.00 |
Collection Fee | $20.00 per item |
Canadian Check Processing Fee | $10.00 per check + exchange fee |
Transaction Limitations
You may make unlimited deposits into your account each month. An unlimited number of withdrawals by automated teller machine (ATM), mail, or teller withdrawals can be made from your savings account. However, federal regulations limit the number of non-personal transfers from your account to six per monthly statement cycle. Non-personal transfers include any combination of PC, telephone, automatic or pre-authorized transfers to another account of the depositor or to a third party.
**This fee is charged when a checking or savings account has no activity for a period of 27 months and is considered to be in dormant status.
NOTE: We may report other information about your account to consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your consumer report
