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Personal Savings Accounts

Savings Account

Requirements:

  • Minimum balance to open - $25.00

Benefits:

  • No quarterly service charge when average daily balance is above $500.00.
  • Interest-Bearing Account - Interest to be paid quarterly.

Cost:

  • Less than $500.00 average daily balance - $7.50 per quarter

Limitations:

  • You may make six (6) transfers/withdrawals from your account to a third party each four (4) week period. Transfers and withdrawals made in person, by messenger, or by mail are unlimited.
  • There will be a $1.00 charge for each withdrawal/transfer in excess of 9 in a quarter.

 

Student/Minor Savings

Requirements:

  • Minimum balance to open - $25.00

Benefits:

  • No quarterly service charge for Full-Time Students.
  • No quarterly service charge for Minors (under 18).

Cost:

  • No service charge for Full-Time Students and Minors under 18 years of age.

Limitations:

  • You may make six (6) transfers/withdrawals from your account to a third party each four (4) week period. Transfers and withdrawals made in person, by messenger, or by mail are unlimited.
  • There will be a $1.00 charge for each withdrawal/transfer in excess of 9 in a quarter.

 

Certificates of Deposit (CD)

Requirements:

  • Minimum balance to open - $1,000.00

Benefits:

  • We offer 6 month and 1 year CD's.
  • Competitive Rates.

Cost:

  • No Service Charge.
  • Early withdrawal penalty is 30 days interest on the amount withdrawn on 6 month and 1 year CD’s

 

Individual Retirement Account (IRA)

Requirements:

  • Minimum balance to open - $1,000.00

Benefits:

  • Competitive Rates.

Cost:

  • No Service Charge.
  • Early withdrawal penalty is 30 days interest on the amount withdrawn.