Savings options comparison chart

To help you select the right savings account to fit your current needs, the following chart provides a side-by-side comparison of the features offered by each of our account options.

Money Manager Money Market
Money Builder
Regular Savings
Certificates of Deposit
Account qualifications, minimum balances, monthly fees $5,000 min. bal. Below min. $15. Must have O2 Checking acct. $1,000 min. bal. Below min. $15. $250 min. bal. Below min. $3. $1,000 min. bal.
Minimum opening deposit $5,000 $1,000 $250 $1,000*
Interest rates

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Tiered Tiered Yes Varies depending on term
transactions per month
Six ($12 per excess withdrawal/transaction) Six ($12 per excess withdrawal/transaction) Three ($1.50 per excess withdrawal/transaction) Any withdrawals prior to maturity are subject to a penalty fee
Free O2 Online Banking and email alerts Yes Yes Yes N/A

* Ask a representative for details on special rates, IRA rates, terms and conditions.