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