Savings/Share Accounts:
This is our basic savings/share account which establishes your membership. Earn high dividends and enjoy complete liquidity with this account!

• A minimum deposit of $10 establishes your membership.
• To earn interest, maintain an average daily balance of just $250 a quarter.
• Interest is deposited to your account quarterly.
• You can access your funds, check balances, transfer funds between accounts and more through CARE, our 24-hour telephone teller, or through CENTRALnet Internet Banking.
• A traditional ATM card is available for our members who haven’t opened their checking account yet - simply ask any representative in our office or call us at 410-828-4500.

Vacation & Holiday Club Accounts
The best way to enjoy your dream vacation or the picture perfect holiday is through systematic saving. You decide how much you'd like automatically deposited into your special Vacation and Holiday Club Accounts.

• Open the account anytime with as much as you'd like.
• Make deposits based on your budget.
• Use payroll deduction to make it even easier to save by having part of your pay automatically deposited to your club account every month!
• Interest is credited annually, based on your average yearly balance and deposited on May 31 for Vacation Club and September 30 for Holiday Club accounts.
• On June 1 for Vacation and October 1 for Holiday, your entire balance will be transferred into your Share Savings Account.