All the ways to save: savings accounts, money market accounts, health savings accounts, certificates and more.

Babies, retirement, new homes? Oh, yes.

Four ways:

1. Visit an ATM near you and use your check card to make a withdrawal
2. Log in to your Andigo account and request a bank check by sending us a secure message
3. Call us at 847.576.5199 or toll-free 877.270.6392 to request that we mail you a bank check
4. Visit us at an Andigo branch or a shared branch location and make a withdrawal in person

Great question! So, when you purchase a CD/share certificate, you invest a set sum of money for a fixed period of time (we call this a "term"). Terms can be six months, one year, 18 months, or more.

In exchange for your pinky promise (well, your signature. Can't run a business on pinky promises.) we pay you interest at regular intervals or at the end of the certificate’s term (we call this "maturity" or "coming due"). At maturity, when you cash in or redeem your certificate, you receive the money you originally invested plus any accrued interest.

Sound too good to be true? Well, here's the catch. You have to wait until the end of the term or if you redeem your certificate before it matures, you may have to pay an early withdrawal penalty or forfeit a portion of the interest you earned.

Good things come to those who wait, after all.

Not a test to see who can make it through an Amy Schumer standup show without giggle, a certificate maturity notice lets you know that your CD has reached the length of time for interest to accrue and has come due.

The certificate will be mailed to you approximately 2 weeks before the maturity date.

Just a heads up: certificates will automatically renew on the maturity date at the prevailing rate and for the same term unless you instruct us otherwise phone 847.576.5199 or toll-free 877.270.6392, sending a secure message online or in writing.

Let us know within 10 calendar days from the maturity date to avoid being charged an early withdrawal penalty.

• No minimum deposit or balance required to earn dividends
• Competitive monthly dividends
• No account fees
• Balances roll over from year to year
• Easy access with a Visa Debit Card and the option to include free checks
• Choice of savings plans
• HSA certificates get the same rate as our regular certificates (excludes promotional rates)
• Investing your HSA funds into a variety of no-load or load-waived mutual funds via our brokerage HSA through a partnership with DEVENIR, a national leader in investment options for health benefit plans

• Must be 18 years or older
• Be an Andigo member with a minimum $5 balance in your personal savings account
• Be enrolled in a high deductible health plan (HDHP) and not covered by another general coverage medical plan or Medicare

• All you fine HSA holders can save up to $3,550 for an individual and $7,100 for a family.
• If you're an HSA holder who is 55 years old or older, you'll get to save an extra $1,000, which means $4,550 for an individual and $8,100 for a family.

These contributions are 100% tax deductible from gross income. Rad, right? The minimum annual deductibles are $1,400 for individual coverage or $2,800 for family coverage.

Keep in mind, annual out-of-pocket expenses (deductibles, co-payments, but not premiums) cannot exceed $6,900 for individual coverage and $13,800 for family coverage.

• Meet the income qualifications: adjusted gross income must be below $110,000 for single or $220,000 for married filing jointly
• Contribute no more than $2,000 annually per individual beneficiary
• Use benefits for elementary, secondary or even higher education expenses at an eligible educational institution
• Enjoy tax-free distributions when you use them for qualified education expenses such as tuition, books, fees, etc. (consult your tax advisor for details)
• Designate a beneficiary who is under age 18 or is special needs
• Distribute the balance of the account before the beneficiary reaches age 30 or roll over to another Coverdell account for another family member

Coverdell Accounts are available as both money market accounts or certificates — which means flexibility to choose what works best for you.

• An IRA money market account offers you the option of adding contributions anytime you want (made even simpler with automatic transfers from your checking account).
• An IRA certificate lets you make a lump sum deposit of $1,000 or more to open your account and lock in the rate for a specified term.
• Andigo Wealth Management Advisors offer mutual funds plus other investment options if you’re looking for a potentially higher rate of return. Set up an appointment with Wealth Management today.