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.
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Money Manager Money Market |
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Money Builder Savings |
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Regular Savings |
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JUNIOR SAVERs |
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Certificates of Deposit |
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| 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. $5. | Account is held in the name of a minor and managed by a custodian, and only the custodian may transact business on the account. When the child reaches the age of 18 years old the account will automatically change to a regular savings account in the name of the minor. | $1,000 min. bal. |
| Minimum opening deposit | $5,000 | $1,000 | $250 | $10 | $1,000* |
| Interest rates Click to see today's rates |
Tiered | Tiered | Yes | Yes | Varies depending on term |
| Withdrawals/ transactions per month |
Unlimited | Unlimited | Unlimited | Unlimited | Any withdrawals prior to maturity are subject to a penalty fee |
| Free O2 Online Banking and email alerts | Yes | Yes | Yes | Yes | Yes |
* Ask a representative for details on special rates, IRA rates, terms and conditions.