Safe, convenient, FDIC insured—VIST offers a variety of ways to save your money and earn interest. From teaching kids the “saving basics” to saving for that dream vacation, we can guide you in choosing the best account that meets your saving and spending needs.
 Statement Savings
This is a popular account option for convenient day-to-day savings—when having easy access to your money is important. Our Statement Savings account is also a great way to teach children the value of saving and spending wisely. |
- Unlimited deposits and withdrawals when made in person
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- 24-hour access to your account at an ATM with the VISA® CheckCard or ATM Card, Automated Telephone Banking, and Web Banking.
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- $100 minimum daily balance to earn interest
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- No monthly maintenance fee if daily balance is $100 or above. $3 monthly maintenance fee is applied if daily balance falls below $100.
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| Balance | Interest Rate | Annual Percentage Yield (APY) | | $0-$99.99 | 0% | 0% | | $100-$1,499.99 | 0.65% | 0.65% | | $1,500-$4,999.99 | 0.75% | 0.75% | | $5,000-$24,999.99 | 0.85% | 0.85% | | $25,000-$49,999.99 | 1.00% | 1.00% | | $50,000-$99,999.99 | 1.00% | 1.00% | $100,000-$249,999.99 | 1.00% | 1.00% | | $250,000 + | 1.00% | 1.00% |
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Rates are subject to change. Fees may reduce earning.
Last Update: on Mon, Aug. 18, 2008
Certificate of Deposit Account Registry Service (CDARS)Now you can have the ease of banking with VIST Financial combined with the security of FDIC insurance. Through CDARS, we can place your deposits larger than $100,000 into smaller-denomination CDs, and at multiple institutions within the CDARS network. As your local member of the CDARS network, VIST offers you a safe, convenient opportunity to put your cash to work—while benefiting from FDIC protection. |
- FDIC insurance- With deposits over $100,000 divided into smaller CDs at multiple institutions, this permits the full amount to be eligible for FDIC insurance.
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- CD interest rates- You agree to an interest rate with us for the CD maturity period you've selected. Rates may compare favorably with those of other high-quality, fixed income investments.
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- Interest-payment flexibility- You may choose to have interest on your CDs paid monthly or at maturity.
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- One relationship- You can manage all of your CD investments through your trusted VIST relationship.
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- One statement- You receive a single, consolidated, monthly statement summarizing your deposits. And your private financial information is protected and secure.
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Tier #1Personal- up to $250K| Terms | Rate | Annual Percentage Yield (APY) | | 4 weeks | 2.230
| 2.25
| | 13 weeks | 2.230
| 2.25 | | 26 weeks | 3.150
| 3.20
| | 52 weeks | 3.730 | 3.80 |
Tier #2Personal- $250K up to $500K | Terms | Rate | Annual Percentage Yield (APY) | | 4 weeks | 2.270 | 2.30 | | 13 weeks | 2.270 | 2.30 | | 26 weeks | 3.200
| 3.25
| | 52 weeks | 3.780 | 3.85 |
Tier #3Personal- over $500K | Terms | Rate | Annual Percentage Yield (APY) | | 4 weeks | 2.320 | 2.35 | | 13 weeks | 2.320 | 2.35 | | 26 weeks | 3.250 | 3.30
| | 52 weeks | 3.830 | 3.90 |
Last Update: on Mon, Aug. 18, 2008 |
Certificates of Deposit (CDs)Looking for a safe, secure solution with a solid return? With certificate terms ranging from one week to several years, we can help you choose the Certificate of Deposit that best meets your short- or long-term savings goals. |
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- Certificate terms range from 7 days to 120 months.
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- Based on the terms of the CD, the Annual Percentage Yield (APY) remains fixed on the deposit until maturity.
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- Early withdrawal will reduce earnings.
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- Penalty will or may be imposed for early withdrawal.
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- FDIC insured to the maximum permitted by law.
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Additional terms are available. For more information, please call or visit your local VIST Financial Center. |
| Certificate Term | Minimum
Deposit | Interest
Rate | Annual Percentage Yield
or APY | | 7 Days | $10,000 | 2.225% | 2.25% | | 14 days | $5,000 | 2.225% | 2.25% | | 30 - 59 Days | $2,500 | 2.374% | 2.40% | | 60 - 90 Days | $1,000 | 2.957% | 3.00% | | 91 - 181 Days | $500 | 2.966% | 3.00% | | 182 - 364 Days | $500 | 3.162% | 3.20% | | 12 - 17 Months | $500 | 3.747% | 3.80% | | 18-23 Months | $500 | 3.941% | 4.00% | | 24-29 Months | $500 | 4.038% | 4.10% | | 30-35 Months | $500 | 3.600% | 3.65% | | 36 - 47 Months | $500 | 3.649% | 3.70% | | 48 - 59 Months | $500 | 3.795% | 3.85% | | 60 - 120 Months | $500 | 3.940% | 4.00% |
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Last Update: on Mon, Aug. 18, 2008
Individual Retirement Accounts (IRAs)An Individual Retirement Account is a smart way to save for a financially secure retirement. All of our IRA products are also available in Traditional and Roth versions. Contact your trusted VIST advisor to help you select the IRA that's right for you, based on your individual retirement goals |
- Maturities of 12 months to 10 years, or any term in between.
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Market Rate IRA |
- Low initial deposit of $250.
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- Tiered interest rates to allow a better return as your balances grow.
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- Since a Market Rate IRA is a savings account, rather than a time deposit, there are no maturity dates to keep track of.
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- Ability to rollover balances of at least $500 into an IRA CD at any time.
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All Purpose ClubSave for just about anything—holiday shopping, a dream vacation, tuition payments—the possibilities are endless. Our Club account is so flexible that you choose the month you want it to mature, plus the amount and frequency of the deposit. We’ll work with you to create an All-Purpose Club account to suit your specific needs. |
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- Interest is earned on balances of $5 or more
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- Annual maturity is on the 10th of whatever month you choose
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- Club deposits may be weekly, biweekly or monthly
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- Club deposits are automatically transferred from your existing checking or savings account.
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- Interest is paid on clubs held to maturity
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- Clubs will automatically renew at maturity
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| Interest Rate | Annual Percentage Yield (APY) | | 0.25% | 0.25% |
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Last Update: on Mon, Aug. 11, 2008
Health Savings Account (HSA)A Health Savings Account is a combination of a high deductible health plan (HDHP) with a tax-free savings account—allowing you to set aside money for health care tax-free. - You must have a high deductible health plan HDHP insurance to open an HSA account
- HSA rolls over from year to year; there is no "use it or lose it" factor
- Interest is paid, money can be invested in mututal funds
- Account is owned by you, not employer
To find out if you qualify and how to get an HSA, contact an HSA representative @ 610.678.6000 or @ www.1hsa.com to download an HSA application. |
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For more information on our Personal Savings products, please contact us or visit one of our financial centers located near you! |
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