A moderate interest savings account only open for withdrawal in February of each year. 

Features and Benefits:

• Monthly Deposits  are mandatory - no minimum deposit required, suggested deposit minimum $25.00 per month.
• If monthly Deposit not received, can revert to regular savings account. 
• Available for registered or non-registered funds.
• Account can be seeded with up to $5000 per year
• No withdrawals permitted outside of Febuary regardless of when they were deposited.
• Rate is variable and can change at any time
• Direct deposit is normally required except in extenuating circumstances.