Deposit Solutions
The following is a summary of our account offerings. Please contact any of our offices for information on our current interest rates, annual percentage yields and our complete account disclosures.
Checking Account Options
Regular (Personal) Checking - Check This One Out!
- No minimum deposit to open
- Monthly statement with images of your checks and deposits
- You must maintain a $50.00 Minimum Balance and a $100.00 Average Balance during the monthly statement period to avoid being service charged. If you do not maintain either of these balances a charge of $5.00 plus $0.15 for each debit over 15 will be made. (No charge will be accessed for the first 15 debits).
- The above Minimum and Average Balance Requirements will be waived for individuals who have monthly recurring Direct Deposits of their payroll, pension or social security.
- Add Debit Card to your account for only $1.00 per statement period
Now (Interest Bearing) Checking - Get Paid To Keep Funds On Deposit!
- No minimum balance to open
- Monthly statement with images of your checks
- Interest rates and corresponding Annual Percentage Yields (APYS) are tiered so the greater the daily collected balance, the higher the interest rate and APY.
- If the Average Balance for the monthly statement period falls below $100.00, a maintenance fee of $10.00, plus a per debit charge of $0.15 will be made.
- If the Average Balance for the monthly statement period falls below $500.00, a maintenance fee of $5.00, plus a per debit charge of $0.15 will be made.
- The above Average Balance Requirements will be waived for individuals who have monthly recurring Direct Deposits of their payroll, pension or social security.
- Add Debit Card to your account for only $1.00 per statement period
Money Market Deposit Account - Earn Even More On Your Deposit!
- No minimum balance to open
- Monthly statement with images of your checks
- Interest rates and corresponding Annual Percentage Yields (APYS) are tiered so the greater the daily collected balance, the higher the interest rate and APY.
- If the Average Balance for the monthly statement period falls below $1,000.00, a maintenance fee of $10.00 will be collected.
- Withdrawals are limited to 6 per month, only 3 of which may be by check to a third party
Business Checking - Grow Your Business With Us!
- No minimum balance to open
- Monthly statement with images of your checks
- A Maintenance Fee of $5.00 per statement period plus $0.15 per debit will be charged.
- A Credit of $0.35 per $100.00 of Average Balance per monthly statement will be applied to offset charges and will not carry forward into the next statement cycle.
Savings Options
Passbook Savings - A Piggy Bank That Pays You Back!
- No minimum balance to open
- Interest rates and corresponding Annual Percentage Yields (APYS) are tiered so the greater the daily collected balance, the higher the interest rate and APY
- If the Average Account Balance is less than $100.00 per quarter, a $3.00 maintenance fee will be charged
- Withdrawals in excess of 9 per quarter will be subject to a fee of $1.00 each.
- Service Charges will be waived for minors under the age of 18, provided their parent or guardian completes a form verifying the minor's status, birth date and Social Security Number.
- Accounts closed within 6 months of opening will be assessed a $5.00 charge
- Accounts reaching a balance of zero will be closed
- Passbook presented required for withdrawals made in person
Christmas Club - The Happy Holidays Savings Plan!
- No minimum balance to open
- Receive an annual check on or about October 15th of each year for the principal and accrued interest on the account
- Interest will not be paid if funds in any amount are withdrawn before the accounts maturity on or about October 15th of each year
Certificates of Deposit - The Best Way To Save!
- No minimum balance to open
- Terms from 3 to 60 months
- Interest can be added to your certificate, added to another deposit account, or paid by check
- Substantial penalty for early withdrawal
Individual Retirement Accounts - Retire In Style!
- No minimum balance to open
- Fixed and Variable Interest Rate Options Available
- We Offer Regular, Roth, and SEP IRAs
Health Savings Accounts - Protect yourself from unexpected medical expenses!
- $100.00 Minimum Balance To Open
- Check & Debit Card Access
- Monthly Statement with copies of your checks
- In order to avoid a $3.00 per statement period maintenance fee you will need to maintain an average balance of $1,000.00 per statement period