Products of Investment Savings Bank:

• Certificates of Deposit (CD)- Investment Savings Bank CDs are available to any individual, organization, corporation. CDs have a term ranging from 7-31 days to 5 years. The minimum balance in case of CDs with a term of7-31 days is $2,500 whereas the minimum balance for an investment with a term of 5 years is $500. CDs of Investment Savings Bank are characterized by a very high liquidity. They can be cashed at any time although there is a penalty which is quite high in case of early withdrawal. There is no monthly service charge on checking amount and time deposit are offered with higher interest rate of return. CDs are automatically renewable. These can be used as collateral for Savings Account Loans.
  
  
• Checking Account- Checking account is available to anyone with 18 years of age or older upon approval of Chex System and is safer than cash. A minimum deposit of $25 is required to open an account. Liquidity in case of Investment Savings Bank Checking Accounts Deposits is high to an extent that unlimited number of checks can be written per month without any additional charge. There is no monthly service charge and all funds are insured up to $100,000 by FDIC. The NOW Checking Account of Investment Savings Bank makes the investor eligible for a VISA Check Card. $50 is required to open an account and a minimum balance of $300 is mandatory or a $5.00 Service Charge will be assessed. The Money Market Deposit Account (MMDA) is a more expensive than the checking account. A minimum deposit of $2,500 is required to open an MMDA. Liquidity is limited so that only six monthly withdrawals are allowed, three of which may be checks.
  
  
• Savings Account- The Passbook Savings Account of Investment Savings Bank is available to any individual, organization or corporation. $25 is required to open and maintain an account. Interests are compounded daily and are posted quarterly. There is no monthly service charge on checking account and loan can be taken against the account. A maximum of six withdrawals are allowed per month. All funds are insured up to $100,000 by FDIC. Kidz Klub Savings are exclusively available to children with less than and equal to 16 years of age. Minimum deposit requires to open an account is $25 but the bank offers $5 in to each account with the limit of one offer per child.
  
  
• Visa Credit Cards- Investment Savings Bank issues VISA Credit Cards to any person above 18 years of age. Minimum credit limit in case of VISA Classic and VISA Gold are respectively $500 and $2000 respectively. In addition, the household income of a VISA Gold holder must be at least $30,000. the maximum credit limit for VISA Classic and VISA Gold are respectively $7,500 and $12,500. An Investment Savings Bank VISA card holder has to make a minimum payment of 2.1% of the balance with a minimum amount of $10. There is no Annual Membership Fee. Chargegard Insurance Program is available and offer credit life, and coverage in case of disability, unemployment and leave of absence.
  
  
• Individual Retirement Accounts (IRA)- Investment Savings Bank's IRA is available to any earning person who is 18 to 70.5 years old. The minimum investment varies from $100 to $500. Funds can be withdrawn by individuals 59.5 years older. All funds upto $250,000 per individual is insured by FDIC. An IRA from Investment Savings Bank is an appropriate option for a working individual to save for future in a tax free way. An IRA provides access to funds at any time.
  
  
• Loans- The various types of loans available from Investment Savings Bank are automobile loans, home equity loans, home improvement loans, mortgages, personal loans and student loans. Most of the loans are available to any person 18 years or older. One benefits because there is quick approval and disbursement of funds. Minimum loan mount in case of home equity loans is $2500, in case of automobile loans is $1000 and in case of personal or consolidation loans is $1000.

There are a variety of other services offered by Investment Savings Bank such as ATM, Savings Bond, Funds Transfer, Money Orders, Travel Card etc.

Reasons for Favoring Investment Savings Bank:

• Investment Savings Bank specializes in community banking i.e deposits are accepted from people living in the community where the bank serves and again lent out to people living in the same community. This ensures that the money circulates within the community only. Even the management, staff and Board of Trustees are local people so that all the decisions are vernacular. The credit cards offered by Investment Savings Bank are accepted at 15 million locations worldwide. So a frequent traveler needn't face financial hardship while living abroad. Also a credit card if lost and then reported within two business days is protected by VISA's 0 liability worldwide. Investment Savings Bank has an excellent customer service and has separate telephone numbers for business hours and after business hours. Its telephone banking facility is available to all loan or deposit customers of the bank. There are 320 ATM machines in 6 states for providing faster access to cash. Also one can use his debit card free at any Sheetz ATM. Investment Savings Bank also has a huge lending area in Pennsylvania Countries extending over Blair County, Bedford County, Cambria County, Centre County, Clearfield County, Huntingdon County etc.

As is clear being a customer of Investment Savings Bank can surely make life better and easy going.