Deposit Products

No Frills Checking

• Minimum balance to open an account $100.00
• No Service Charges
• Checks returned with bank statement for a monthly charge of $3.00

Senior Checking

• Minimum balance to open an account $100.00
• No Service Charges
• Checks returned with bank statement for a monthly charge of $3.00

Business Checking

• Minimum balance to open an account $100.00
• Monthly service charge $5.00
• Per debit item $.20
• Earnings credit $.10 per $100 average balance
• Checks are returned with bank statement at no charge

Passbook Savings Accounts

Personal Passbook Savings

• Minimum balance to open an account $100.00
• Quarterly service charge if account is below
  $100 average balance $3.00
• Withdrawals limited to 12 per quarter.

Christmas Club Savings

• Minimum balance to open an account $10.00
• Check issued annually on November 1st.

Business Passbook Savings

• Minimum balance to open an account $100.00
• Quarterly service charge if account is below
  $100 average balance $3.00
• Withdrawals limited to 12 per quarter.

Certificates of Deposit

91 Day Certificate of Deposit

• Minimum balance to open: $1,000.
• Interest accrues daily.
• The early withdrawal penalty for a 91 day certificate will be equal to the interest earned in 31 days.
• This certificate is automatically renewable.

182 Day Certificate of Deposit

• Minimum balance to open: $1,000.
• Interest accrues daily.
• The early withdrawal penalty for a 182 day certificate will be equal to the interest earned in 91 days.
• This certificate is automatically renewable.

1 Year Certificate of Deposit

• Minimum balance to open: $1,000.
• Interest accrues daily.
• The early withdrawal penalty for a 1 year certificate will be equal to the interest earned in 91 days.
• This certificate is automatically renewable.

2 Year Certificate of Deposit

• Minimum balance to open: $1,000.
• Interest accrues daily.
• The early withdrawal penalty for a 2 year certificate will be equal to the interest earned in 182 days.
• This certificate is automatically renewable.

3 Year Certificate of Deposit

• Minimum balance to open: $1,000.
• Interest accrues daily.
• The early withdrawal penalty for a 3 year certificate will be equal to the interest earned in 182 days.
• This certificate is automatically renewable.

5 Year Certificate of Deposit

• Minimum balance to open: $1,000.
• Interest accrues daily.
• The early withdrawal penalty for a 5 year certificate will be equal to the interest earned in 182 days.
• This certificate is automatically renewable.

IRA Accounts

Talk with our IRA Specialist for your IRA needs. We offer Traditional, Education, Roth and Rollover IRAs at competitive rates. Call us at 715.532.5551.