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Checking Accounts

Regular Checking Account

Minimum balance to open the account: You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees: If your balance falls below $500.00 on any day in the monthly statement cycle, we will impose a service charge fee of $7.00 once during the statement cycle. This fee does not apply to customers 55 and over or full-time students (with proof of enrollment).

Additional Features: Account qualifies for Online Banking and Bill Pay

e-Z Banking Account

Minimum balance to open the account: You must deposit $100.00 to open this account.

Fees: A service charge fee of $10.00 will be charged each monthly statement cycle if the minimum monthly activity requirements are not met.

Minimum monthly activity requirements: To avoid the monthly service charge fee, you must meet the following requirements:

  • Minimum one (1) direct deposit per statement cycle.
  • At least one (1) Debit card and one (1) bill pay transaction must be posted to the account each statement cycle.
  • Enrollment in eStatement delivery
  • No check writing privileges on this type of account.

Additional Features: Account qualifies for Online Banking and Bill Pay

Now Account*

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will not be compounded on the account. Interest will be credited to your account monthly.

Minimum balance to open the account: You must deposit $1,500.00 to open this account.

Minimum balance to avoid imposition of fees: A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Additional Features: Account qualifies for Online Banking and Bill Pay.

Limitations: For-Profit Organizations (e.g. Corporations, Partnerships, Associations, Business Trusts) not eligible for Now Account.

Customer First Checking Account*

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will not be compounded. Interest will be credited to your account monthly.

Minimum balance to open the account: You must deposit $100.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Fees: A service charge fee of $10.00 will be charged each monthly statement cycle.

Additional Features: Account qualifies for Online Banking and Bill Pay. One box of standard color, wallet -sized, non-duplicate checks free at time of opening.
Limitations: For-Profit Organizations (e.g. Corporations, Partnerships, Associations, Business Trusts) not eligible for Now Account.

For additional benefits and features, click the link below to sign up:

Senior Citizens Checking Account*

Age Requirement: 55 years or older

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will not be compounded on the account. Interest will be credited to your account monthly.

Minimum balance to open the account: You must deposit $100.00 to open this account.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Additional Features: Account qualifies for Online Banking and Bill Pay. Free standard color, wallet-sized, non-duplicate checks included with account.

Limitations: For-Profit Organizations (e.g. Corporations, Partnerships, Associations, Business Trusts) not eligible for Now Account.

Money Market Checking Account*

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will not be compounded. Interest will be credited to your account monthly.

Minimum balance to open the account: You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees: A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Fees: A per item service charge fee of $10.00 will be charged for each debit transaction in excess of three (3) during a month.

Additional Features: Account qualifies for Online Banking and Bill Pay


Savings Accounts

Passbook Savings Account*

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account quarterly.

Minimum balance to open the account: You must deposit $50.00 to open this account.

Minimum balance to avoid imposition of fees: A service charge fee of $2.00 will be imposed every month if the balance in the account falls below $200.00 any day of the month.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Fees: A per item service charge fee of $0.50 will be charged for each debit transaction in excess of three (3) during a quarterly statement cycle.

Additional Features: Account qualifies for Online Banking

Community Savings Account*

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency: Interest will be compounded daily. Interest will be credited to your account quarterly.

Minimum balance to open the account: You must deposit $10,000.00 to open this account.

Minimum balance to avoid imposition of fees: A service charge fee of $10.00 will be imposed every month if the balance in the account falls below $10,000.00 any day of the month.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Additional Features: Account qualifies for Online Banking

Health Savings Account*

Rate Information: Your interest rate and annual percentage yield may change.

Frequency of rate changes: We may change the interest rate on your account at any time.

Determination of rate: At our discretion, we may change the interest rate on your account.

Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $200.00 in the account each day to obtain the disclosed annual percentage yield.

Compounding and crediting frequency: Interest will be not be compounded. Interest will be credited to your account monthly.

Minimum balance to open the account: You must deposit $200.00 to open this account.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction Limitation: Total annual deposits may not exceed maximum allowable by law. Withdraws must be for covered medical expenses.

Additional Features: Account qualifies for Online Banking

Christmas Clubs

Looking to save money for the holidays? Look no further! Ask us about our Christmas Clubs.

* Fees may reduce earnings on account.
Online Banking and Bill Pay subject to approval.


Rates (as of 07/16/2021)

Checking & Savings Accounts

TypeRateMinimum Balance to OpenAnnual Percentage Yield (APY)
Customer First Checking .03% $100.00 .03%
Senior Citizen's Checking .03% $100.00 .03%
NOW Account .03% $1500.00 .03%
Money Market Account .05% $2500.00 .05%
Passbook Savings .05% $50.00 .05%
Community Savings .10% $10,000.00 .10%

Certificates of Deposit (CDs)

DurationRateMinimum Balance to OpenAnnual Percentage Yield (APY)
32 Days .02% $1,000.00 .02%
91 Days .05% $1,000.00 .05%
6 Months .05% $1,000.00 .05%
9 Months .05% $1,000.00 .05%
12 Months .05% $1,000.00 .05%
15 Months .12% $1,000.00 .12%
18 Months .12% $1,000.00 .12%
24 Months .18% $1,000.00 .18%
36 Months .30% $1,000.00 .30%

Individual Retirement Accounts (IRAs)

TypeRateMinimum Balance to OpenAnnual Percentage Yield (APY)
1 Year (Fixed Rate) .05% $1,000.00 .05%

HSA

TypeRateMinimum Balance to OpenAnnual Percentage Yield (APY)
HSA .10% $200.00 .10%

We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

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