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SAVINGS ACCOUNT
$100.00 MONTHLY AVG. BALANCE

  • Personal, Business or Municipal
  • Interest Earned
  • Two Withdrawals per Month
  • May be opened as an Uniform Transfers to Minors Act Account (UTMA)

  • $5.00 fee per month if the average balance falls below $100.00
  • $2.00 charge per withdrawal in excess of two per month

MINOR SAVINGS
  • No monthly fee for minors under 18 years of age

IRA ACCOUNT
$100.00 MINIMUM

  • Traditional, Roth or SEP
  • 12 Month Fixed Term Variable Rate
  • 24 Month Fixed Term

  • Penalty will be assessed if monies are withdrawn before the end of the term (based on term and maturity date)
  • $10.00 Early Withdrawal Fee will be charged for early withdrawal

CERTIFICATES OF DEPOSIT
$1,000.00 MINIMUM

  • Personal, Business or Municipal
  • Terms from 6 months to 5 years
  • Fixed interest rate for the term

  • Penalty will be assessed if monies are withdrawn before the end of the term (based on term and maturity date)
  • $10.00 fee will be charged for early withdrawal

CERTIFICATE OF DEPOSIT SPECIALS
  • 2nd Chance: 2 Year CD - Allows you to "bump" the rate one time during the initial term
  • Super Saver: 1 Month CD - Add to anytime
  • Stash Your Cash: 6 Month CD - Add to anytime

MONEY MARKET CHECKING
$2,500.00 MONTHLY AVG. BALANCE

  • Personal, Business or Municipal
  • Earns interest on balances over $2,500.00
  • Limited to 6 debit transactions per month

  • $10.00 fee per month if the average balance falls below $2,500.00
  • $8.00 charge per transaction in excess of six debits per month

HSA ACCOUNT
$250.00 MONTHLY AVG. BALANCE

  • Must have Qualified Health Plan
  • Interest Earned
  • For Medical Expenses

  • $5.00 fee per month if the average balance falls below $250.00


Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.