Personal Savings

Start a savings plan today.  A $10 initial deposit and $10 minimum daily balance must be maintained each day to obtain disclosed Annual Percentage Yield.  If more than 10 withdrawals per statement cycle are done, a $1.00 service charge is assessed per withdrawal.  We reserve the right to at any time require not less than 7 days written notice before any withdrawal.  Interest is calculated by the daily balance method.  Interest compounded daily and credited monthly.  Statements will be generated quarterly unless a combined checking and savings statement is requested, or the account has electronic debits or credits.  Fees may reduce earnings.

HiFi Savings

Our tiered rate money market savings plan.  A $10 minimum initial deposit is required.  Rates are based on account balance.  If a minimum daily balance of $1000 or an average collected balance of $2,500 is not maintained, a $10 service charge will be assessed for the month.  Limit of 6 preauthorized withdrawals per month.  We reserve the right to at any time require not less than 7 days written notice before any withdrawal.  Interest is calculated by the daily balance method.  Interest is compounded and credited monthly.  Statements are generated monthly. Fees may reduce earnings.

Christmas Club Savings

Set aside funds for your holiday needs.  Pays at a higher interest rate than our other savings plans.  A $10 minimum initial deposit and $10 minimum daily balance must be maintained each day to obtain disclosed Annual Percentage Yield. By November 15th of each year, you will receive a check for the balance of the account.  A $10 service charge per withdrawal will be assessed if withdrawal made before November 10th.  We reserve the right to at any time require not less than 7 days written notice before any withdrawal.  Interest is calculated by the daily balance method.  Interest compounded daily and credited monthly.  Statements are generated quarterly. Fees may reduce earnings.

Certificate of Deposit

Open a certificate of deposit for as little as $500.  Our CD’s have fixed rates with terms from 3 months to 48 months.  Ask our customer service representatives about our current rate specials.  Penalty may be imposed for early withdrawal.

Education Certificate

Save for a child's education.  This is a variable rate certificate that can be opened for as little as $25.  Add to it at any time during the term of the certificate with minimum deposits of $25, except for the last seven days before maturity.  Interest is calculated by the daily balance method.  This renewable CD has a maturity of five years, with interest compounded and credited quarterly.  The Education Certificate can be cashed without penalty once the child reaches the age of 18.  Penalty may be imposed for earlier withdrawal.

Individual Retirement Account (IRA)