Regardless of how you decide to save or invest your money, we can match your savings goals with our FDIC insured savings accounts and certificates of deposit.

PASSBOOK SAVINGS ACCOUNT*
A great savings option for people who want easy access to their account (For Regulation D purposes, we do not classify this as a savings account).

• Minimum opening deposit of $200 (no minimum for minors age 18 and under)
• A maintenance fee of $3 will be imposed every quarter if the balance in the account falls below $200 any day of the quarter. This fee will not apply to minors age 18 and under.
• Compounding and crediting frequency – Interest will be compounded quarterly. Interest will be credited to your account every quarter.
• Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar quarter.

MONEY MARKET SAVINGS ACCOUNT*
Earn higher rates based on higher balances

• Minimum opening deposit of $2,500
• A maintenance fee of $5 will be imposed every statement cycle if the balance in the account falls below $2500 any day of the cycle
• Transfers from a Money Market account or another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no more than six by check, draft, or similar order to third parties.
• A per debit fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfers or payment out of this account) if the minimum daily balance requirement is not met
• Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month
• Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

CERTIFICATE OF DEPOSIT*
A safe investment with a wide range of rates and terms

• Competitive rates
• Flexible terms ranging from 3 months to 48 months
  

Click here for more information on Personal Bank Savings Accounts.

*Rate Information – Your interest rate and annual percentage yield may change
*Frequency of rate changes – We may change the interest rate on your account at any time *Determination of rate – At out discretion, we may change the interest rate on your account *Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month.
*Accrual of interest on non cash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks)

**Effect of closing an account – If you close your account before interest is credited; you will not receive the accrued interest.

SECURITY MESSAGE
Please do not include any private information in your email such as account numbers, social security numbers, or pin numbers. Please call or stop in if you need to speak to a customer service representative.