Passbook Savings Account

This account offers the convenience of a personal ledger book to maintain the accounts history in one easy to access record. These accounts are not accessible through VISA® Check Cards or /ATM transactions.

Features and Benefits:

• $25 minimum to open an account relationship
• Earns competitive compounded interest rate
• Interest credited quarterly.
• No monthly service charge on transactions
• No charge for direct deposit service
• Free Travelers Checks

Statement Savings  Account

This account offers the convenience of a periodic statement to maintain the accounts history. These accounts are accessible through STAR® ATMs.

Features and Benefits:

• $25 minimum to open account relationship
• Earns competitive compounded interest rate
• Free combined monthly statement listing all your Fidelity Savings accounts
• Account has 24 hour access
• Interest credited quarterly
• No charge for direct deposit service
• Free Travelers Checks
• ATM Card with no monthly service charge
• Limited number of transactions apply

Student Passbook Savings Account

This account is available to students age 12 and under. This account allows systematic savings for regular deposits. Your student can watch the savings grow and reach his or her goal. The account offers the convenience of a personal ledger book to maintain the account’s history in one easy-to-access record.

Features and Benefits:

• $5 minimum to open an account relationship
• Earn competitive interest rate
• Interest compounded daily and credited quarterly on balance of $5 or greater
• No monthly service charge on transactions
• No charge for direct deposit service

Money Market Deposit Account (MMDA)

(1) These working accounts offer short-term liquidity with tiered rates and low opening balances. And remember that your funds are FDIC Insured.

Features and Benefits:

• $1,000 minimum balance to open an account relationship
• No monthly service charge unless account balance is allowed to fall below $1,000. The account is then subject to a $2 monthly service fee until balance is restored to $1,000 or more.
• ATM card with no monthly service charge
• Limited number of transactions apply
• Variable interest bearing account ; a balance of $1,000 or greater earns interest
• Balance rate tiering levels apply
• No charge check safekeeping of paid checks
• Account linking with combined statements
• Minimum per check issue amount is $500
• No commissions or management fees
• No market fluctuations to principal

Vacation Clubs and Holiday Clubs

These clubs are a dedicated and systematic traditional method to plan and save for your holiday and vacation expenditures. Vacation Clubs and Holiday Clubs start each year in April and October, respectively and continue for a period of 50 weeks.

Features and Benefits:

• $10 minimum to open account relationship
• Deposit any amount at any time
• Deposits can be made in person or by automatic deposit from your Fidelity Savings Selective Checking account
• Passbook transaction record
• Competitive simple interest rates are credited at maturity
• Withdrawals prior to maturity require account’s closing with a $5 service fee
• Maturity proceeds mailed or credited to your designated Fidelity Savings account at maturity
• No monthly service charge

Health Savings Accounts (HSA) - Help for High Deductible Health Plans

Individuals have a new, tax-advantaged way to save for medical expenses. A HSA offers three important tax advantages, namely; tax deductible contributions, tax free earnings, and tax free distributions. Fidelity Savings’ HSAs are FDIC insured trust deposit accounts established exclusively for the purpose of paying your qualified medical expenses if, for the month for which contributions are made to an HSA, you are covered under a high-deductible health plan (HDHP).

Features and Benefits:

• An account with the liquidity and flexibility of checking
• $250 minimum balance to open an account relationship
• No minimum monthly balance requirement and no per check fees
• No account monthly service fee
• Monthly contributions can be made by direct deposit, by mail, in person or through a STAR ATM
• Annual contribution rules and limits apply
• Earns competitive interest rates paid on balances above $250
• Free initial order of 50 basic checks
• No monthly service fee for your ATM/VISA® Check Card
• 24-hour access by check or VISA Check Card
• Itemized monthly statements.

Home Savers Clubs

HOME SAVERS CLUBS are an option for first time homebuyers or if you are planning to move into a larger home. Your dreams can come true – here’s how:Fidelity Savings’ Home Savers Club is a new concept for homebuyers to accumulate money for a home down payment. Accumulating your down payment with systematic savings at a market interest rate with daily compounding of your money will allow your funds to grow steadily. You can start with $100, add a minimum amount of $50 per month and continue for as long as you like. It’s your option. If you give us your figures – the initial amount, monthly payment, and the term, our Loan Officers will project these figures based on our market interest rates and will show you how much money you’ll have for a down payment or you can GO FIGURE by visiting the Simple Savings Calculator. Obtain your mortgage financing from Fidelity Savings and a minimum of 15% of the interest earned and credited to your Fidelity Savings Home Savers Club Account will be added to your account or paid to you as a BONUS when you use the proceeds of your Fidelity Savings Home Savers Club account either as a deposit on your home or for your settlement costs.

For Important Information about Fidelity Savings’ Home Saver Club, please call 215-788-0448 and ask for our Deposit Services Department. We will be glad to review the Fidelity Savings’ FDIC Insured Home Savers Clubs with you. We hope to serve you soon!

Education Savings Accounts (ESA)

Invest in your children’s or grandchildren’s future with tax-advantaged savings for education while they are less than 18 years of age! Coverdell Education Savings Accounts (ESAs) were formerly known as Education IRAs. ESAs can be a valuable tool for savings for a child’s education. These flexible accounts can be used in many ways. Whether you want to save for college, pay tuition at a private high school, or provide for an after-school reading tutor, an ESA could help you provide for your child’s or grandchild’s education.

An ESA offers two important tax advantages, namely; tax free distributions and tax free earnings. Fidelity Savings offers two types of FDIC insured trust deposit accounts, one or both may be your best choice considering your child’s or grandchild’s educational timeframe. For shorter term needs, a flexible and liquid account allows for easy deposit accumulation and access to pay educational expenses. For longer term needs you have the option of longer term certificates of deposit (CDs) with maturities ranging from 12 to 60 months. Planning your educational disbursement timetable will allow a CD maturity ladder to balance the need for funds and their availability.

ESA features for short-term liquidity – An account with the flexibility of checking

• $250 minimum balance to open an account relationship
• No minimum monthly balance requirement and no per check fees
• No account monthly service fee
• Monthly contributions can be made by direct deposit, by mail, in person or through a STAR ATM
• Annual contribution rules and limits apply
• Earns competitive interest rates paid on balances above $250
• Free initial order of 50 basic checks
• No monthly service fee for your ATM/VISA® Check Card
• 24-hour access by check or VISA Check Card
• Itemized monthly statements.

ESA Certificate of Deposits for Medium-Term or Long-Term Financial Needs We offer certificates of deposit in a broad range of maturities, each designed with a particular goal in mind. With as little as $500, you can open an ESA CD. To help you decide which CD will best meet your needs, take our One-Minute Certificate of Deposit Test.; then request a CD quote from one of our Service Representatives today at (215) 788-0448.

For Important Information about ESAs, please call 215-788-0448 and ask for our Deposit Services Department. We will be glad to send you a detailed brochure about Fidelity Savings’ FDIC insured ESAs. We hope to serve you soon!