Personal Banking

Personal Savings

Statement Savings Account
Certificate of Deposit
IRAs

Regular Savings Account

  • Interest-bearing account (based on average daily balance).
  • Interest compounds and is credited to the account quarterly
  • Minimum balance to obtain disclosed annual percentage yield: $0.01.
  • Quarterly statement
  • $100.00 minimum opening deposit
  • No monthly maintenance fee on average monthly balances of $100.00 and up. $5.00 on balances below $100.00.
  • Withdrawals fees: $3.00 for every withdrawal in excess of six (6) per statement cycle.
  • FDIC coverage up to $100,000.00 per depositor.

* Federal banking regulations restrict to six (6) the number of "transfers" that can be made each statement cycle on savings accounts. "Transfers" include: pre-authorized transfers, telephone transfers, and online transfers. Accounts that exceed the limits will be subject to closure.

Certificate of Deposit

  • $1,000.00 minimum opening deposit
  • Competitive interest rates
  • FDIC coverage up to $100,000.00 per depositor
  • Interest is calculated based on the account balance
  • Regular Term CD*:
    • 30-Day Certificates of Deposit
    • 60-Day Certificates of Deposit
    • 90-Day Certificates of Deposit
    • 12-Month Certificates of Deposit
    • 24-Month Certificates of Deposit

Individual Retirement Accounts (IRAs)

  • Traditional IRAs
  • Roth IRAs
  • 12-Month Fixed IRA/QRP Certificate of Deposit
  • Competitive interest rates
  • FDIC insured investment