An excellent account for those wanting quick access and guaranteed liquidity in a short-term environment, the Silver Savings is a popular account among our depositors. This account earns a premium interest rate with balances of $10,000 or more. Interest rates on this account change quarterly. There is a penalty for early withdrawl, however, there are no penalties on withdrawls made during the first ten days of each calendar quarter. There is no monthly service fee for this account as long as a minimum balance of $300 is maintained, otherwise $4 per month. Additional deposits are accepted; and we ask that you deposit at least $1,000 to open the account. Account opening is subject to credit approval.