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MORTGAGE CENTER

Savings, CDs & IRAs

We offer different account types to fit your needs, as well as a variety of additional services.

Account Name	Learn More	Minimum Balance To Open	Monthly Service Charge	Balance To Avoid Service Charge	Minimum Balance To Earn Interest
Advantage Savings	More»	$10	$2.00	$100	$50,000*
Advantage Savings For people who wish to keep their funds liquid, not tie them up in a time deposit such as a Certificate of Deposit, while earning an interest rate that is higher than a money market account, statement savings account and some CDs Competitive Interest Rate 24 Hour Tele-Banker convenience Only $10.00 required to open account Limit of four (4) withdrawals/transfers per month ($10 fee per withdrawal over four) *$50,000 minimum daily balance to earn published rate. If balance falls below $50,000, interest rate reverts to Statement Savings Account rate. Balance below $1000.00 does not accrue interest.
Statement Savings	More»	$10	$2.00	$100	$100
Statement Savings For people who want to earn interest in a savings account, receive a monthly printed statement and have the ability to access their account online. Competitive Interest Rate $100.00 average daily balance to earn interest and avoid monthly maintenance fee of $2.00 ATM Card available 24 Hour Tele-Banker convenience Only $10.00 required to open account
eSavings	More»	$10	$2.00	$25	$100
eSavings eSavings is an all-electronic savings account with Online Banking, BillPay, eStatement, and ATM card capabilities. Save time managing your accounts and enjoy better security over your financial information. Interest-bearing Free Online Banking Free 24-Hour Telephone Banking Free electronic monthly statements $10.00 surcharge per month will be assessed for paper statements ATM Card Available Interest is compounded monthly Variable rate account; interest rate and annual percentage yield may change Only $10.00 required to open the account $25.00 average daily balance to avoid $2.00 monthly maintenance fee
Certificates of Deposit	More»	$500	N/A	N/A	$500
Certificates of Deposit CDs are for people who want a high rate of interest, the security of a guaranteed rate and a fixed term on their deposit. Several terms available High interest rate that is guaranteed for term of certificate Security of knowing your interest is insured, with a guaranteed and known return Interest is compounded monthly Interest is credited to the account the first day of each month Early withdrawal penalties do apply No deposits or withdrawals of principal allowed; interest may be withdrawn $500 required to open the account CD Enhancements A simple new way to grow your money even faster. Now you don't have to buy a new Certificate of Deposit whenever you have extra funds you'd like to invest. Buy a Lake Sunapee Bank Add-On CD (1-year or shorter term) and deposit additional funds whenever you wish. The only requirement is that each additional deposit be at least $250. Interest rate and other terms not effected. Start your own automatic CD Savings Program. Simply have any amount you select (over $250.00) automatically transferred to your CD account from any LSB account, or have that monthly check directly deposited to your CD. Withdrawal of interest may reduce earnings.
Health Savings Account	More»	$10	N/A	N/A	$10
Health Savings Account For individuals who want to save for current and future medical expenses while enrolled in a high deductible health plan. Save for medical expenses you incur today and in the future Accounts are portable even if you change jobs, change medical coverage, move etc Competitive interest rate First order of checks free Debit card available Contributions are fully tax-deductible Tax free earnings Tax free withdrawals Money contributed rolls from year to year
IRA	More»	$500	N/A	N/A	$500
IRA For people under the age of 70 1/2 who want a retirement savings program with the added tax benefits allowed by law. Several IRA types to choose from: Traditional IRA, Roth IRA, Education IRA, SEP IRA Interest earned is tax deferred until the time you withdraw it for retirement; then you are usually in a much lower tax bracket IRA deposit may be tax deductible; see IRA brochure or consult your tax advisor No fees for either distributions or transfers Year-end statement keeps you abreast of your investment's value
Money Market	More»	$100	$5.00*	$1,000	$1,000
Money Market For people who want to earn market rates on a limited demand account while maintaining a higher balance. Higher paying interest rate on a demand account 6 monthly transfers allowed Free VISA Check/ATM card; unlimited ATM transactions Checks imaged monthly with easy to read statement Only $100.00 required to open account * $5.00 monthly charge if combined balance drops below $1000. Fees may reduce earnings.

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