Savings Accounts

  Min. Opening Deposit Interest Earning account2 Interest Compounded Service Charges Transaction Limits 24 Hour Automated Telephone Banking Free Internet Banking Dormant Account Fee ($500 min. balance to avoid charge) Paper Statements Additional Features
Savings Account $100 Quarterly $2 every month if $100 balance is not maintained One free debit per month. $5 excessive savings withdrawal fee for each additional withdrawal $6 Monthly if for 12 months no deposits or withdrawals to the account  
Christmas Club $2 At Maturity $25 early withdrawal fee Account may be closed if withdrawals are made from this account before maturity. N/A   Disbursement of funds is completed after 50 weeks


Certificates of Deposit (CD)

  Min. Opening Deposit Terms Interest Earning account3 Interest Compounded Early Withdrawal Penalty Withdrawal Limits Additional Features
Certificates of Deposit $1000 (once the account is opened, no deposits can be made) Terms can vary between 91 days to 60 months Monthly, Quarterly, or Yearly Depending on term, penalty will equal 3 or 6 months interest on the amount withdrawn subject to penalty No withdrawals of principal before maturity. Only withdrawals of interest credited in the term is permissible without penalty CD Specials are released at various times


Individual Retirement Accounts4 (IRA)

  Min. Opening Deposit Terms Interest Earning account3 Interest Compounded Early Withdrawal Penalty Withdrawal Limits
Traditional IRA $1000 Terms can vary between 12 and 60 months Monthly, Quarterly, or Yearly Depending on term, penalty will equal 3 or 6 months interest on the amount withdrawn subject to penalty No withdrawals of principal before maturity (unless you are of age 59 1/2). Only interest withdrawals without penalty.
Roth IRA $1000 Terms can vary between 12 and 60 months Monthly, Quarterly, or Yearly Depending on term, penalty will equal 3 or 6 months interest on the amount withdrawn subject to penalty No withdrawals of principal before maturity (unless you are of age 59 1/2). Only interest withdrawals without penalty.

1All deposits accounts are subject to the terms and conditions of the Bank of York agreements
2Rates are subject to change
3
Rates are fixed during term of account
4
Insurance products are not insured by FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate