Sometimes saving is your answer to a goal.  Whether you have $25.00 to begin a savings account or $25,000 Irwin Bank has the right savings account for you.  Some accounts allow ATM access and checkwriting.  All earn a very competitive annual percentage yield with the security of FDIC Insurance - up to $100,000.
IBMA GOLD ACCOUNT 3.00% APY*
Enjoy a higher interest rate and the flexibility of liquidity.  Make up to six pre-authorized withdrawals, three of which may be third party checks.  Earn this great rate with a $15,000 minimum balance requirement.

IBMA ACCOUNT





Open this Money Market account for only $1000 and earn a higher interest rate as compared to Passbook and Statement Savings accounts.  You can access your funds with checks, up to three a month, or by using your Irwin Bank Check Card or ATM Card.  The number of transactions a month is limited due to federal regulations.
 
IBMA ACCOUNT - CERTIFICATES OF DEPOSIT
CD’s are a good choice if you’re saving for a specific goal and don’t need the funds for an extended period of time.  You decide for how long you want to maintain your investment.  The longer the term, the higher the interest rate.  Maturities, length of the CD, vary from three months to ten years.  Opening deposit amounts vary depending upon the term.  If you “cash in” the CD before the term has expired, penalties apply, so choose your term carefully.
 
QUICK CASH CD
Experience the best of both worlds – a higher interest rate offered by a CD, plus access to your funds in case you need them.   Open this CD with only a $1,000 deposit; the maturity is 10 months.  If you need the funds, you can withdrawal the entire balance without a penalty.
 
PASSBOOK  SAVINGS ACCOUNT
This account is the “traditional” way to save.  Deposits, withdrawals and interest earned are tracked in a passbook, provided by the bank.  Updates to the account are made in the branch by presenting the passbook.  This is a great account for kids!  Balance requirement to earn interest is only $25.00.
 
STATEMENT  SAVINGS ACCOUNT
Instead of using a passbook to track transactions, the bank does it for you by providing a monthly statement.  Funds can be accessed at any branch or by using your ATM Card.  Open this smart savings vehicle for only $25.00.
*Annual Percentage Yield (APY) effective as of November 1, 2001.  Subject to change without notice.
Minimum balance of $100,000 to earn the 3.00% APY.
Minimum balance of $50,000 through $99,999.99 to earn the 2.75% APY.
Minimum balance of $15,000 through $49,999.99 to earn the rate of 2.75% APY.
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