Easy assess makes an HFS Passbook Savings Account ideal for short-term savings and emergency reserves. You can open a Passbook Savings with as little as $100, and deposits and withdrawals can be made at any time.

• Minimum opening deposit of $100.
• Interest is earned on balances of $500 or more, is compounded daily and credited quarterly.
• $2 monthly fee if balance falls below $100.
• Records maintained by HFS in your Passbook.
• Monthly fee waived for Seniors 55 and over and for Young Savers under 18.
• Passbook withdrawals or transfers must be done at an HFS office as the customer must have possession of the passbook.

HFS realizes the importance of establishing good savings habits at an early age. To help your child get started we offer the Young Savers Passbook Savings Account.

• Minimum opening deposit of $10.
• Interest earned on balances of $100 or more, is compounded daily and credited quarterly.
• No monthly fee.
• Records maintained by HFS in Passbook.
• Special birthday gift for those under 10.

Another account featuring easy access is the Statement Savings Account. Withdrawals and deposits can be made at any time. Records are maintained in your register, similar to Checking.

• Minimum opening deposit of $100.
• Interest earned on balances of $500 or more, is compounded daily and credited monthly.
• $3 monthly fee if balance falls below $100.

A convenient way to save for Christmas is our HFS Christmas Club Account. You can make deposits whenever you choose in any amount, and your Christmas Club check will be mailed to you in October.

• Minimum opening deposit of $5.
• Interest is compounded and credited quarterly.
• No withdrawals or transfers out allowed; $25 fee for early closure.
• Christmas Club accounts can be opened from late October through March.

This Money Market Deposit Account earns interest based on the balance maintained in your account. The interest rate is tiered and changes periodically to reflect current money market conditions.

• Minimum to open is $2,500.
• Interest rate increases at $5,000, $10,000, $25,000, $50,000 and $100,000 and over.
• Variable rate of interest is compounded daily and paid monthly.
• Monthly fee of $8 if balance falls below $1,000.
• Free echeck processing with etelcharge.
• $250 minimum for check withdrawals, limit of 3 per month, $5 charge per check over 3.
• $100 minimum for cash or money order withdrawals and for deposits.
• $25 fee if account is closed within 30 days.

Certificates of Deposit earn top interest rates guaranteed until maturity, with terms ranging from 7 days to 10 years.

• Minimum opening deposit for 7-31 and 91-day CDs is $1,000.
• Minimum opening deposit for 6 Month and longer is $500, with the exception of Rainbow and Rainbow Jr. CDs

The HFS Rainbow CD offers flexibility and guaranteed earnings. You can open a Rainbow CD with as little as $100 and make additional deposits of $100 or more at any time - without extending the maturity of your CD. You choose the term, from 2 years to 5 years, and the rate of interest is guaranteed for the term of the account.

Use your Rainbow CD to save for a new car or boat, a dream vacation, the down payment on a new home or for any reason you choose! Make your dreams come true with a Rainbow CD.

HFS also offers the Rainbow Jr. CD, featuring a minimum opening deposit of only $50, and a term of 8 to 16 months. Additions of $50 or more can be made any time until maturity.

HFS offers IRA Accounts for customers with no annual maintenance fee, and several options:

• 18 Month Variable Rate IRA - $50 minimum opening deposit, and deposits are allowed. Variable rate of interest changes monthly.
• 30 Month Fixed Rate IRA - $500 minimum opening deposit, and deposits are not allowed. Interest rate is fixed for term.
• 5 Year Fixed Rate IRA - $500 minimum opening deposit, and deposits are not allowed. Interest rate is fixed for term.
• Roth - 5 Year Fixed Rate - $100 minimum opening deposit, and deposits are allowed. Interest rate is fixed for term.
• Roth - 5 Year Variable - $50 minimum opening deposit, and deposits are allowed. Variable rate of interest.