When you want to save for a particular goal, the Regular Savings Account will help get you there. Enjoy a competitive high interest rate with no minimum balance required. This account can be used together with the Share Account as security for loans. Interest is paid quarterly and your savings are insured up to $10,800.00 at no cost to you. No minimum amount is required to open this account. You earn interest no matter what the balance on your account may be and there is no penalty for maintaining a small balance.