Investment Services
Retirement Plans
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| Certificates of Deposit |
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Terms available from 3 to 48 months |
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Automatic renewal feature for your convenience |
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Various interest payment plans |
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Rates vary with terms of certificate |
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Penalty for early withdrawal |
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Competitive interest rates |
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FDIC Insured to $250,000 |
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| US Savings Bonds |
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United States Savings Bonds may be redeemed at our bank for account holders only. |
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EE Bonds can be purchased directly from the US Treasury at treasurydirect.gov. |
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| Individual Retirement Accounts (IRA's) |
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Term of 24 months |
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Rates vary with the terms |
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Penalty for early withdrawal |
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Transfers |
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Rollovers |
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Tax-deferred interest |
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Checking Services
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| Personal & Business Checking |
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Non-interest bearing account |
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Minimum balance of $100 required |
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If account falls below the minimum balance the customer is charged a maintenance fee of $3.00 plus a fee of $.20 per item for the month. |
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Free ATM card |
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Free Check card after account is maintained for 3 months with an average balance of $300.00. |
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Free direct deposit |
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Free internet banking |
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Senior Citizens (age 62 & older) have all service charges waived. |
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| Interest Checking Now Account |
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Interest bearing account |
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Minimum balance of $750 required |
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If account falls below the minimum balance the customer is charged a $10.00 maintenance fee plus a fee of $.25 per item for the month. |
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Interest is credited to your account monthly |
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Free ATM or Check Card |
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Free direct deposit |
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Free Internet banking |
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| Super-Now Account |
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Interest bearing account |
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Minimum balance of $2500 required |
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If account falls below the minimum balance the customer is charged a $10.00 maintenance fee plus a fee of $.25 per item for the month. |
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Interest is credited to your account monthly |
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Free ATM or Check Card |
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Free direct deposit |
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Free Internet banking |
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Savings Services
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| Passbook Savings |
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No minimum balance required |
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No monthly service charges |
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We use the daily balance computation method for calculating interest. Interest begins to accrue on the day of deposit and is credited semi-annually |
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| Statement Savings |
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No minimum balance required |
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No monthly service charges |
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We use the daily balance computation method for calculating interest. Interest begins to accrue on the day of deposit and is credited monthly |
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Free ATM Card access |
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| Christmas Club |
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You determine the amount you want to deposit |
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We use the daily balance computation method for calculating interest. Interest begins to accrue on the day of deposit and is paid on maturity |
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| Money Market Account |
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Minimum balance required |
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If the balance falls below the minimum, a monthly maintenance fee is charged |
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Preauthorized and telephone transfers from this account are limited to six per month |
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We use the daily balance computation method for calculating interest. Interest begins to accrue on the day of deposit and is credited monthly |
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