Savings Products

Earn a competitive rate of interest while enjoying the flexibility that our accounts provide.

Compare Savings Accounts

Products	Savings	Money Market
Minimum Opening Deposit	$25	$1,500
Minimum Balance Required	$0	$1,500
Monthly Service Charges	$0	Service fee of $10 if account falls below the minimum required balance
Interest Earned	X	X Earn a competitive interest rate
Transaction Limits	Limit of 6 transactions per quarter A fee of $0.50 per transaction after 6 withdrawals	Limit of 6 transactions per month An excess item fee of $10.00 for each additional debit transaction
Free eStatements	X	X
Additional Information	When enrolling in online banking, you will be given the opportunity to sign up for eStatements or to continue receiving paper statements. If you elect to continue receiving paper statements, a fee of $3 per statement, per account, will apply. Only those enrolled in Online Banking will be affected by this fee.

CD’s and IRA’s

Do more with your money by investing in a low-risk CD or IRA. Our traditional CDs have several term options to fit your needs. An IRA is a great way to prepare for your retirement with tax advantages.

Certificate of Deposit

Features

Various ranging terms
Competitive rates

Requirements

Minimum opening balance of $1,000
Penalty for early withdrawal
Grace period of 10 days after maturity
Automatic renewal into like term after grace period, earning current interest rate for that term

Individual Retirement Account

Features

Traditional and Roth IRA plans available
Various fixed or variable rate options

Requirements

Minimum opening balance of $100.00
Penalty for early withdrawal

If you are retiring or changing jobs, you can avoid withdrawal penalties by transferring your employer held retirement assets to an IRA or other qualified plan. You can ask your employer to arrange for a “direct rollover” of your money into a new IRA account, or you can do it yourself with an IRA-to-IRA rollover.