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 Options

REGULAR (PERSONAL) CHECKING - CHECK THIS ONE OUT!

A $50.00 Minimum Opening Deposit is required
Monthly statement with images of your checks and deposits
You must maintain a $100.00 Average Daily Balance during the monthly statement period to avoid being service charged. If you do not maintain the Average Daily Balance a maintenance fee of $5.00 plus a per debit fee of $0.15 for each debit over 15 will apply (No charge will be assessed for the first 15 debits).
The above service charge will be waived upon request for individuals who have monthly Direct Deposits of their payroll, pension or social security.

NOW (INTEREST BEARING) CHECKING - GET PAID TO KEEP FUNDS ON DEPOSIT!

A $100.00 Minimum Opening Deposit is required
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 Daily Balance for the monthly statement period falls below $100.00, a maintenance fee of $10.00, plus a per debit fee of $0.15 will apply for each debit over 15. (No charge will be assessed for the first 15 debits).
If the Average Daily Balance for the monthly statement period falls below $500.00, a maintenance fee of $5.00, plus a per debit fee of $0.15 will apply over 15. (No charge will be assessed for the first 15 debits).

MONEY MARKET DEPOSIT ACCOUNT - EARN EVEN MORE ON YOUR DEPOSIT!

A $1,000.00 Minimum Opening Deposit is required
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 Daily Balance for the monthly statement period falls below $1,000.00, a maintenance fee of $10.00 will be collected.
Federal law limits preauthorized and automatic transfers and withdrawals (including telephone transfers) and transfers and withdrawals by check, draft , debit card or similar order to third parties from savings and money market accounts to 6 per month. Activity in excess of applicable restrictions may be grounds for closing an account or removing an account's transaction and check privileges. We also reserve the right to place addition limitations on the number of withdrawals or debits to the account.

BUSINESS CHECKING - GROW YOUR BUSINESS WITH US!

A $100.00 Minimum Opening Deposit is required
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!

A $25.00 Minimum Opening Deposit is required
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 Daily 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 per debit 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.
Federal law limits preauthorized and automatic transfers and withdrawals (including telephone transfers) and transfers and withdrawals by check, draft , debit card or similar order to third parties from savings and money market accounts to 6 per month. Activity in excess of applicable restrictions may be grounds for closing an account or removing an account's transaction and check privileges. We also reserve the right to place addition limitations on the number of withdrawals or debits to the account.

CHRISTMAS CLUB - THE HAPPY HOLIDAYS SAVINGS PLAN!

A $5.00 Minimum Opening Deposit is required
Receive an annual check on or about October 15th of each year for the principal and accrued interest on the account
Generally, you may not make withdrawals from the account. A substantial penalty exists for early withdrawal. If we allow you to withdraw funds from your account prior to the interest payment date, which is on or about October 15th annually, we may impose a penalty consisting of the forfeiture of all interest accrue on the account

CERTIFICATES OF DEPOSIT - THE BEST WAY TO SAVE!

A $500.00 Minimum Opening Deposit is required
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!

A $100.00 Minimum Opening Deposit is required
Fixed and Variable Interest Rate Options Available
We Offer Regular, Roth, and SEP IRAs

HEALTH SAVINGS ACCOUNTS - PROTECT YOURSELF FROM UNEXPECTED MEDICAL EXPENSES!

To be eligible for a Health Savings Account, you must be participating in a high-deductible health plan. The paperwork from your health insurer should highlight the fact that the plan can accompany a Health Savings Account
A $100.00 Minimum Opening Deposit is required
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