If you write less than 12 checks in a month, the Freedom Checking account will meet your needs and provide the convenience of a set monthly charge. No need to keep track of per check charges or average account balances, they don't apply. This account is perfect for those just starting out or those beginning to wind down.

A rewarding account for longer term investors who still wish to maintain instant access to their funds. Choose this account when earning interest is most important and the need to write checks is very limited. Transactions on this account are permitted, but are strictly limited by law. *You must maintain the minimum balance required to avoid fees and to earn interest.

Start a regular savings plan and prepare for unexpected expenses or unanticipated opportunities. Pay yourself first! You can arrange to have a pre-determined amount transferred from your checking into your Independence Savings and discover the ease and reward of the regular savings plan.

For those who are able to invest over a longer term, a wide array of Time Certificate products makes it easy to find one that is right for you. Interest rates on time investments vary with the amount and term of your deposit.

An individual Retirement Account or IRA can be a prudent investment in your future. Designed for individuals who wish to plan for a retirement that offers the comfort and peace of mind that a regular monthly income can provide.