HIFS Savings Accounts Overview

If you're looking for	Take a look at	Features & Options
Higher yield interest rates and flexible access	Money Market Savings Checkwriting privileges, no monthly fee, no minimum balance. Funds are FDIC insured.	No monthly maintenance fees No minimum balance Check writing option Competitive interest rate Convenient monthly statement
A premier relationship account with preferred interest rate and flexible access	GoldLink Money Market Preferred rates on Money Market Account with $50,000 minimum balance in savings and linked checking account. Funds are FDIC insured.	Free Direct Deposit ATM/Debit Card Telebank24 Free Online Banking Free Online Bill Payment Free Traveler's Checks No application fee for Home Mortgage Preferred rate on CDs 1st order of checks free Optional overdraft protection
Traditional savings tool with flexible access	Statement Savings No monthly fee, no minimum balance. Competitive interest earnings with balances of $10 or more.	No monthly maintenance fees No minimum balance required Competitive rate of interest Convenient monthly statement
Simple savings tool for easy recordkeeping and access to funds with branch visit	Passbook Savings No monthly fee, no monthly balance. Competitive interest earnings with balances of $10 or more.	No monthly maintenance fees No minimum balance required Competitive rate of interest Convenient record- keeping
A systematic way of saving for holiday shopping, vacations, taxes or other large expenses.	Club Account You decide how much to put aside each week. The account may be opened anytime and deposits will be recorded as in a passbook account. A check for your accumulated balance is sent to you automatically each year in October.*	No monthly maintenance fees No minimum balance required Earn a competitive rate of interest on balances of $10 or more Convenient record- keeping
A guaranteed savings rate over a longer term	Certificate of Deposit Earn higher rates on savings with a CD. Open a CD with as little as $500. Guaranteed yield for variety of terms from 3 months to 5 years.	Competitive rate of interest Fixed rates of return Passbook for easy recordkeeping
Education savings with great rates and no penalties	Saving Toward Education Program (STEP) Earn a bonus interest rate on savings deposits .50% above current savings rate. Each time balance reaches $500, funds will be automatically transferred into a higher yielding 1 year CD at .10% above current 1- year rate.	Bonus interest rates on Savings and Certificates Preauthorized Transfer option Non-Penalty Withdrawals for Tuition Bills Automatic Transfers into higher yielding CDs.
Savings investment options for your retirement	Individual Retirement Account (IRA) Tax-deferred earnings on deposits, and you may be able to deduct your contribution on your annual income taxes. Choose from a variety of terms with a low minimum balance of $500. We can also assist with rollovers and transfers.	Competitive interest rate on balances of more than $10 Tax-deferred Investing Possible tax deductions

For assistance with choosing the right checking account for you, speak to a customer service representative at one of our branches, or give us a call at 781.749.2200. You can also email us online, and we'll be happy to answer your questions or send you information on our banking products.