Personal Banking

Savings & Retirement

Whether you're saving for your education, new car, your dream home, summer vacation or retirement, Dime has an account that meets your needs. A Savings Account gives you funds that are readily available. If, however, your primary objective is to obtain the best yield, Dime also offers Certificates of Deposit.

Savings Accounts

Our passbook and statement savings are tiered accounts, including Money Market Savings. See Deposit Rate page. As your balance increases, the rate paid on the entire balance increases. $20.00 minimum balance to earn Annual Percentage Yield. Interest is compounded daily and credited monthly. Both have a minimum of $25.00 to open. To avoid a monthly maintenance charge of $2.00, you must maintain a daily balance of $200.00. Other fees may apply. See Deposit Account Agreement and Schedule of Interest.

Other features of a Statement Savings account include:

• ATM card at no additional cost
• VISA Debit Card, at no additional cost, if you also have a Dime Checking Account (subject to approval)
• DimeOnline Internet Banking
• 24-Hour Account InfoLine
• Combined Statements

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Certificate of Deposit

Dime has certificates with maturities from 3 months up to 5 years. Based on your needs, you may choose any maturity date within that range. For more details, see our Deposit Rates page.

Maturities:

• 30 Day CD: $500.00 minimum balance, simple interest, credited monthly. Subject to early withdrawal penalty.
• 91 Day to 5 year CD: $500.00 minimum balance, interest compounded continuously, credited monthly. Subject to early withdrawal penalty.

For more details and current rates see the Deposit Rate Sheet and Schedule of Interest.

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Vacation and Christmas Clubs

Tropical vacation, ski trip or presents under the tree. Save for that special event with either a Vacation or Christmas Club. $2.00 minimum opening deposit. Interest is compounded daily and credited monthly. A minimum balance of $20.00 is required to earn the APY at the same rate as a savings account. Vacation Club checks are issued in April. Christmas Club checks are issued in October.

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Individual Retirement Accounts

IRA funds can be put into any Certificate of Deposit, Money Market Savings Accounts or variable rate IRA Account. We also offer traditional Roth IRAs. For more details, see our Deposit Rates page.

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Simplified Employee Pension (SEP) Plans

With a SEP, self-employed individuals, small businesses and corporations can set up a tax-sheltered retirement plan. Funds can be put into a Certificate of Deposit, Money Market Savings or Savings Account. For more details see the Deposit Rate page.

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