Ponce Savings

 A great way to start saving

• Statement saving
• Earn competitive interest
• Only $5 monthly charge if minimum balance falls below $100
• Minimum opening deposit of only $50

Passbook Savings

 A convenient way to save money

• Balances of $500 or more earn interest from the day-of-deposit to the day-of-withdrawal
• Earn competitive interest
• Only $3 monthly charge if minimum balance falls below $500
• Minimum opening deposit of only $100

Money Market

Earn higher rates while maintaining access to your funds

• Higher balances earn higher rates
• Competitive interest rate with a balance of $500 or more
• Only $10 monthly charge if minimum balance falls below $500
• Minimum opening deposit of only $50

Certificates of Deposit

Grow your investments while keeping it FDIC insured with a fixed rate

• CDs 1-6 months open with a minimum of $500.  CDs 12-60 months open with a minimum of $1,000
• Minimum balance required to earn interest is the minimum opening amount
• Rate is fixed for the term of CD
• Interest check or transfer options available
• Maturity notices and automatic renewals with a 7 day grace period after the date of maturity

Holiday and Vacation Clubs Accounts

These types of accounts offer a convenient way to save for a vacation, for the holidays or for both.

• No monthly fees
• Minimum balance to open and earn interest: $5
• Interest accrues daily and is credited to account at maturity
• Withdrawal limitations apply 

Young Explorer Passbook or Statement Account

This is a special savings account for minors between 6 and 17 years of age.

• Open account with a minimum of $1
• No fee account
• Earn interest on funds deposited
• ATM access available for statement accounts (16-17 yr olds with parental consent)

Uniform Transfer to Minors Act (UTMA)

This account allows a parent or guardian to set up a savings account or certificate of deposit in a minor's name for the benefit of the minor. The parent or legal guardian is the custodian of the account until the minor reaches the age of consent. Individuals other than the parents or guardians may contribute funds into the account.

• No monthly fees
• Opens with as little as $50
• Balances of $500 or more earn interest
• Interest accrues daily and is credited quarterly