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Personal Savings Accounts

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Savings Account

  • $200 needed to open the account
  • Interest will be compounded every day using the daily balance method. Interest will be credited to your account every quarter.
  • No monthly maintenance fee with average daily balance of $200 or more
  • $7.50 quarterly maintenance fee if balance falls below $200
  • Up to six withdrawals per quarter at no charge; $1 per withdrawal thereafter.
  • Transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per monthly statement cycle.
  • 24-hour online banking and telephone banking with no monthly fee

Certificate of Deposit

  • $1,000 needed to open any CD
  • Current market interest rate earned
  • Maturities available from 3 to 60 months

Individual Retirement Accounts

  • $1,000 needed to open any IRA
  • Roth, Traditional and Education IRA's are available
  • Roth IRA is funded with after-tax dollars and may grow and be distributed tax-free
  • Traditional IRA is funded with pre-tax dollars and may provide tax benefits throughout your income-producing years
  • Different eligibility requirements for each type of IRA
  • Different tax benefits and tax treatments for each type of IRA