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PERSONAL
DESKTOP BANKING
ENROLL

Personal Savings

Saving money is a marathon, not a sprint. Let us cheer you on to the finish line.

Whether you are saving for vacation, college, retirement, a special occasion or a rainy day, we offer you a range of flexible options to help you safeguard and grow your money.

  • Money Market Account: A money market account gives you the flexibility of writing checks and rewards you with tiered interest. The higher your balance, the more interest you earn.
  • Statement Savings: Open your account with just $100 and watch your savings grow!
  • Junior Savings: An account designed to help our younger generation build their savings, our junior savings account can be opened with just $25.
  • Christmas Club: With just an opening deposit of $10, you can build your annual Christmas savings regularly and painlessly!
Minimum balance requirementInterest bearingMinimum to openBelow minimum balance service charge
Money Market Deposit Account* $2,500 Yes, with tiered rates $50 $5
Statement Savings** $100 Yes $100 $5
Junior Statement Savings^ $25 Yes $25 None
Christmas Club None Yes $10 None

Money Market Deposit Account*

Minimum balance requirement: $2,500

Interest bearing: Yes, with tiered rates

Minimum to open: $50

Below minimum balance service charge: $5

Statement Savings**

Minimum balance requirement: $100

Interest bearing: Yes

Minimum to open: $100

Below minimum balance service charge: $5

Junior Statement Savings^

Minimum balance requirement: $25

Interest bearing: Yes

Minimum to open: $25

Below minimum balance service charge: None

Christmas Club

Minimum balance requirement: None

Interest bearing: Yes

Minimum to open: $10

Below minimum balance service charge: None

 *The first 50 checks are free when you open an account. Six (6) free withdrawals per monthly statement cycle; $5 per each additional withdrawal. Federal regulations allow unlimited withdrawals and transfers at teller window, ATMs and by mail. Other withdrawals or transfers are limited to six (6) during any monthly statement cycle. Fees apply to all debits regardless if transaction is allowable or unlimited under federal regulations.
** You may make up to six (6) withdrawals per month. There will be a $5 fee for each additional withdrawal. Federal regulations limit activity on these types of accounts.
^Service Charge will be waived upon request until the child reaches the age of 18.
Additional fees and terms apply. For more details, our Product and Services Fee Schedule is available upon request.

Certificates of Deposit (CD)

Certificates of Deposit: Receive guaranteed earnings at competitive rates, we offer maturities from 3 – 60 months to help you reach your long-term and short-term goals.

Certificate termsMinimum to open
3 Months $2,500
6 Months $2,500
12 Months $1,000
12 Months - No Penalty $2,500
24 Months $1,000
36 Months $1,000
60 Months $1,000

Certificate terms: 3 Months

Minimum to open: $2,500

Certificate terms: 6 Months

Minimum to open: $2,500

Certificate terms: 12 Months

Minimum to open: $1,000

Certificate terms: 12 Months - No Penalty

Minimum to open: $2,500

Certificate terms: 24 Months

Minimum to open: $1,000

Certificate terms: 36 Months

Minimum to open: $1,000

Certificate terms: 60 Months

Minimum to open: $1,000

Important Notes:

  • At Skyline National Bank, all certificates of deposit will auto-renew at maturity.
  • The penalties for early withdrawal are three months’ interest on 3, 6, and 12- month CDs; and six months’ interest on 24, 36, and 60- month CDs.

Individual Retirement Accounts (IRA)

Traditional and Roth IRA termsMinimum to open
12-Month IRA - Flexible $25
12-Month ROTH IRA - Flexible $25
24-Month IRA - Single Deposit $500
24 Month ROTH IRA - Single Deposit $500
36 Month IRA - Single Deposit $500
36 Month ROTH IRA - Single Deposit $500
60 Month IRA - Single Deposit $500
60 Month ROTH IRA - Single Deposit $500

Traditional & ROTH IRA terms: 12-Month IRA - Flexible

Minimum to open: $25

Traditional & ROTH IRA : 12-Month ROTH IRA - Flexible

Minimum to open: $25

Traditional & ROTH IRA : 24-Month IRA - Single Deposit

Minimum to open: $500

Traditional & ROTH IRA : 24-Month ROTH IRA - Single Deposit

Minimum to open: $500

Traditional & ROTH IRA : 36-Month IRA - Single Deposit

Minimum to open: $500

Traditional & ROTH IRA : 36-Month ROTH IRA - Single Deposit

Minimum to open: $500

Traditional & ROTH IRA : 60-Month IRA - Single Deposit

Minimum to open: $500

Traditional & ROTH IRA : 60-Month - ROTH IRA - Single Deposit

Minimum to open: $500

Important Notes:

  • All Skyline National Bank IRAs will auto-renew at maturity.
  • Yearly contributions are allowed only on Flexible IRA and Flexible Roth IRA.
  • The penalties for early withdrawal are three months’ interest on the 12-month IRA and ROTH IRA; and the penalty is six months’ interest on 24-, 36-, and 60-month IRAs and ROTH IRAs.

Additional fees and terms apply. For more details, our Product and Service fee schedule is available upon request.