| Sand
Dollar
Savings | Gulf
Rewards
Savings | Certificate
of
Deposit | Individual
Retirement
Account | Health
Savings Account |
| Best if you want: | To keep your funds accessible and receive a competitive interest rate.
| (For Gulf Rewards Checking customers only.) To combine with your other TGB accounts in order to get extra rewards. | To earn a higher, competitive interest rate for one year or more.
(CDs with terms of less than one year are also available.) | Variable Rate:
Savings for retirement with a variable rate tied to economic indexes, providing greater return potential.
Fixed Rate:
Savings for retirement with a fixed rate of return. Contributions may be fully or partially tax deductible depending on the type of IRA and your circumstances. FDIC insured. | To offset medical expenses from a high deductible health plan. Consult your tax advisor for how the HSA might benefit you, depending on your particular situation. |
| Minimum Daily Balance To Earn Interest | $100 | $100 | $2,500 | No Minimum | Tiered rates apply ($1,000 and $5000 minimums); see Investment Rate Index. |
| Monthly Maintenance Charges | $3 if average daily balance falls below $200 | N/C | | | $3 if average daily balance falls below $1,000 |
| Opening Deposit | $100 | $100 | $2,500 | Variable Rate: $1,000.
Fixed Rate: $2,000 | $50 |
| Withdrawals | Withdrawals from a savings account to another account or to third parties by pre-authorized, automatic or telephone (including internet or data transmission) are limited to 6 per month. No transfers to third parties by check, POS, computer or similar order are allowed. An excess debit fee of $2 will be charged for each debit transaction in excess of two during a month (does not include electronic funds transfers) | Number of transfers to another account or to third party by preauthorized, automatic debits and telephone is limited to six per statement cycle. No transfers to 3rd parties by check, POS, computer or similar order are allowed. | Interest withdrawal is permitted.
Note: No withdrawals from principal before maturity. | Details | Unlimited |
| Statement Processing | Quarterly | Monthly | | | Monthly |
| Interest Rate Structure | Rates adjusted
to be competitive with current market rates. | Rates adjusted
to be competitive with current market rates. | Fixed Rates; upon maturity and renewal, rates will be set
to be competitive with current market rates at the time of renewal. | Variable Rate: Rates adjusted
to be competitive with current market rates.
Fixed Rate: upon maturity and renewal, rates will be set to be competitive with current market rates at the time of renewal. | Tiered/ rates adjusted
to be competitive with current market rates. |
| Additional Fees Which May Apply | Details | Details | Details | Details | Details |
| Additional Information | Details
| Details | Details
| Details | |
