Free Forever Checking

• $100 minimum deposit to open
• No minimum balance required
• Unlimited check writing

First Class Checking (over 40)

• $100 minimum deposit to open
• No monthly maintenance fee
• No charge for cashiers checks or travelers checks
• No charge for Notary Service

Personal Interest Checking

• $1,000 minimum deposit to open
• $1,000 minimum balance – no monthly maintenance fee
• $999 and less - $10.00 maintenance fee plus $.25 per debit

Compounding & Crediting Frequency - Interest will be compounded monthly, interest will be credited to the account monthly.
Daily Balance Computation Method – We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the principal in the account each day.

First Class Interest Checking (over 40)

• $1,000 minimum deposit to open
• $1,000 minimum balance – no monthly maintenance fee
• $999 and less - $10.00 maintenance fee plus $.25 per debit
• No charge for cashiers checks or travelers checks
• No charge for Notary Services

Compounding & Crediting Frequency - Interest will be compounded monthly, interest will be credited to the account monthly.
Daily Balance Computation Method – We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the principal in the account each day.

Personal Money Market

• $2,500 minimum deposit to open
• $2,500 minimum balance – no monthly maintenance fee
• $2,499 and less - $10.00 maintenance fee
• Excessive item fee - $10.00
(Transfers from a Money Market account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties)

Compounding & Crediting Frequency - Interest will be compounded monthly, interest will be credited to the account monthly.
Daily Balance Computation Method – We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the principal in the account each day.

Personal Savings

• $100 minimum deposit to open
• $100 minimum balance – no monthly maintenance fee
• $99 and less - $3.00 maintenance fee
• 6 withdrawals per quarter
• Over 6 - $2.00 per withdrawal

Compounding & Crediting Frequency - Interest will be compounded quarterly, interest will be credited to the account quarterly.
Daily Balance Computation Method – We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the principal in the account each day.

Minor Savings

• No minimum deposit to open
• No monthly maintenance fee
• 6 withdrawals per quarter
• Over 6 - $2.00 per withdrawal

Compounding & Crediting Frequency - Interest will be compounded quarterly, interest will be credited to the account quarterly.
Daily Balance Computation Method – We use the daily balance method to calculate the interest on the account. This method applies a periodic rate to the principal in the account each day.

Certificate of Deposits

• Available for 3 months up to 5 years Contact Bank for current rates.

FDIC insurance coverage up to $5 million on your CD's Contact bank for information on our new CDARS program.

Individual Retirement Accounts