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PERSONAL SAVINGS/INVESTMENTS

STATEMENT SAVINGS

An opening deposit of $100.00 or more ($25.00 for accountholders under age 18) will start a statement savings. Simple interest is calculated daily and paid quarterly. If you have a checking account in the same name(s), your interest will be paid monthly.

MONEY MARKET DEPOSIT

Account primarily designed for savings, an MMDA account allows you the convenience of limited check writing privileges. Competitive rates are offered with interest paid monthly. A $1,000 minimum deposit is required to open and to avoid a fee.

CHRISTMAS CLUB

Our Christmas Club savings account is interest bearing with no service fees. For your convenience, direct deposit is available or we will provide a coupon book for weekly deposits. Interest is paid annually with a check mailed in mid-October for your Christmas shopping.

CERTIFICATES OF DEPOSIT

We design certificates of deposit which offer competitive rates with several terms and options to meet your investment needs. You will have the safety and security of knowing deposits are Federal Deposit Insurance Corporation (FDIC) insured.

INDIVIDUAL RETIREMENT ACCOUNT

We offer Individual Retirement Accounts (IRAs) to fit your budget and investment goals. IRAs are available for individual deposits as well as for business retirement accounts. We welcome lump sum distributions from pension and profit sharing plans to avoid paying unnecessary income taxes.


Additionally, we offer U.S. Savings Bonds and other non-FDIC insured products to help you maximize your cash earnings.


See Current Rates

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.

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