Regular Savings
This is our basic savings account. |
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Minimum opening deposit of $100.00 |
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Balance of $100.00 or more – No monthly maintenance fee |
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Balance of $99.99 or less - $5.00 monthly maintenance fee |
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Monthly maintenance fee based on lowest balance |
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A $50.00 hold on savings accounts for first 120 days |
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One free withdrawal per month |
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After the first withdrawal - $3.00 per withdrawal |
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Interest earned based on daily balance |
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Minor Savings
This account is for our younger savers. It’s a great way to start a savings account for children. |
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Available to children under the age of 18 |
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Minimum opening balance of $50.00 |
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One free withdrawal per month |
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After the first withdrawal - $3.00 per withdrawal |
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A $50.00 hold on savings accounts for 120 days |
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Interest earned based on daily balance |
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Christmas Club
Christmas can put a strain on your budget, but with a Christmas savings you can be prepared for those extra expenses. You can set aside a little all year long, and receive a check at the beginning of November. |
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Withdrawals prior to check disbursement - $10.00 per withdrawal |
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Early closures - $10.00 |
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Individual Retirement Accounts
Don’t let retirement find you unprepared. Start an IRA account today and let your savings grow until retirement. |
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We provide Individual Retirement Accounts |
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Minimum opening deposit of $1000.00 |
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Additional deposits can be made by a schedule that fits your needs |
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Interest rate adjusted annually on anniversary date |
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IRA outgoing transfer fee - $25.00 per transfer
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| Term |
Minimum to open |
Interest Rate |
APY |
| 1 year |
$1000 |
1.04% |
1.04% |
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Certificates
of Deposit
Please check out our competitive rates!
All Rates Subject to Change Daily. Current Rates as of December 2, 2011. |
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| Term |
Minimum to open |
Interest Rate |
APY |
| 01 - 31 Days |
$2,500 |
.11% |
.11% |
| 32 - 89 Days |
$2,500 |
.16% |
.16% |
| 90 Days |
$2,500 |
.37% |
.37% |
| 182 Days |
$1,000 |
.83% |
.83% |
| 9 Months |
$1,000 |
.87% |
.87% |
| 1 Year |
$1,000 |
1.01% |
1.01% |
| 2 Years |
$1.000 |
1.21% |
1.21% |
| 3 Years |
$1,000 |
1.41% |
1.41% |
| 4 Years |
$1,000 |
1.51% |
1.51% |
| 5 Years |
$1,000 |
1.61% |
1.61% |
** Fees and penalties
may reduce earnings. Penalties may be applied
for early withdrawal.
** ALL RATES SUBJECT TO CHANGE DAILY
** APY means Annual Percentage Yield. |
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Riser Rate Certificates of Deposit
Allows customer to change to rate one time before maturity. Incumbent on the customer to advise us of the rate change request.
Current Rates as of December 2, 2011
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| Term |
Minimum to open |
Interest Rate |
APY |
| 2 Years |
$1,000 |
1.04% |
1.04% |
| 3 Years |
$1,000 |
1.24% |
1.24% |
| 4 Years |
$1,000 |
1.34% |
1.34% |
| 5 Years |
$1,000 |
1.44% |
1.44% |
** Fees and penalties may reduce earnings. Penalties may be applied for early withdrawal.
** IF AN APY IS NEEDED FOR DAYS OTHER THAN THOSE PRINTED ON THIS SHEET, A CALCULATION
ON THE TRUTH IN SAVINGS SYSTEM IS NECESSARY.
** APY means Annual Percentage Yield.
** Allowed to change the rate one time before maturity. Incumbent on the customer to advise us of the
rate change request.
** ALL RATES SUBJECT TO CHANGE DAILY
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