Deposit Products

No Frills Checking

• Minimum balance to open an account $100.00
• No Service Charges
• Unlimited check writing
• E-Statements available monthly including check images
• Compact disc available for check images available quarterly, semi-annually, or annually $5.00 fee per CD

Senior Checking

• Available to all persons over age 55
• Minimum balance to open an account $100.00
• No Service Charges
• We purchase your first order of checks
• Unlimited check writing
• E-Statements available monthly including check images
• Compact disc available for check images available quarterly, semi-annually, or annually $5.00 fee per CD
• Eligible for Senior Momentum Club -  Ask for details

Business Checking

• Minimum balance to open an account - $100.00
• Monthly service charge $5.00
• Per debit item 20¢; 10¢credit for every $100.00 average monthly balance
• E-Statements available monthly including check images
• Compact disc available for check images average quarterly, semi-annually, or annually $5.00 fee per CD

Health Savings Account

• Tax-exempt account that allows you to write checks to pay medical expenses for you and your family
• No minimum balance to open
• Earns monthly interest
• E-Statements available monthly including check images

Passbook Savings Accounts

Personal Passbook Savings

• Minimum balance to open an account $100.00
• If quarterly average balance falls below $100.00 there is a quarterly service fee of $3.00
• Withdrawals limited to 12 per quarter, $.50 charge per additional withdrawal
• E-Statements available to those who receive paper statements

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
• If quarterly average balance falls below $100.00 there is a quarterly service fee of $3.00
• Withdrawals limited to 12 per quarter, $.50 charge per additional withdrawal
• E-Statements available to those who receive paper statements  

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.