Savings

Regular SavingsSavings

Earn interest and have access to your funds at all times. This flexible account is great for stashing away those extra funds. Build up your balance to save for a special item or occasion.

Christmas Club

It’s never too early to save for the holidays. Open a Christmas Club account and deposit each week. You will have a nice present waiting for your holiday shopping.

Money Market Accountplant growing out of dollar bills

Investors can earn a higher rate of return and still have easy access to their funds.

Certificates of Deposit

Lock in those higher rates with a certificate of deposit. We have a variety of rates and terms to fit your needs. Short term or long the choice is up to you.

Account Type

CDs of 1 month, 91 days, and 182 days

CDs of 12, 18, 24, 30, 36, 48, and 60 months

Minimum to Open

Just $1,000 starts your account

Just $1,000 starts your account

Interest

Interest posted at maturity

Interest posted semi-annually

Interest Options

Interest can be added back to certificate, transferred to another account or mailed to you by check.

Interest can be added back to certificate, transferred to another account or mailed to you by check.

Penalties

Penalty for early withdrawal is 1 month interest for 1 month certificate, and 3 months interest for 91 and 182 day certificates

Penalty for early withdrawal is 6 months interest

 All certificates renew automatically for the same term at maturity unless the customer contacts the bank within the 10 day calendar grace period.

Individual Retirement Accounts (IRA)Senior couple

You have the choice between a Traditional or Roth IRA. Either plan can enhance your retirement based on your current needs.

Consult your tax advisor before opening any retirement account.

Account Type

18 month variable IRA

12 to 60 month fixed IRA

(Rollovers or Transfers)

Minimum to Open

Just $50 starts your account

Just $1,000 starts your account

Interest

  • Interest is paid quarterly
  • Interest rate can change on 1st day of each new calendar quarter

Interest is paid semi-annually

Penalties

Penalties may be imposed for early withdrawals as well as IRS penalties

Penalties may be imposed for early withdrawals as well as IRS penalties

Additions

Additions can be made at anytime

Additions are not allowed

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