See our New Procedures for Opening a New Account

It's the Law

Checking and Savings Accounts

 available to fit your needs

Regular Checking:

• Maintain an Average Ledger Balance each monthly cycle of $500 - No Service Charge

• Average Ledger Balance below $500 each monthly cycle - $6.00 Service Charge and $.10 per debit above 30 debits.

Features:

ü Receive a monthly statement

ü Can be accessed with the Visa debit card or ATM Card

No-Fee Checking Available To:

• Customers age 55 and Over

• Religious and service Organizations

• Public Entities

• Students thru Traditional College Age

 Features

ü Unlimited check writing  ü No Service Charges 

ü     No Minimum Balance Required ü Receive a monthly statement

ü Can be accessed with the VISA debit card or ATM  card.

Prestige Account or Senior Account

• Available to customers age 55 and over

• No service charges

• Free checks

• No minimum balance required

• No Fee Travelers Checks

• Interest is Paid Monthly on the Daily Ledger Balance (See Rate Sheet)

 Features:

ü Unlimited check writing     ü No Service Charges  

ü   Interest Paid on Daily Ledger Balance 

ü   No Minimum Balance Required 

ü Receive a monthly statement

ü Can be accessed with the VISA debit card or ATM  card.

Earn A Guaranteed Rate of Return on Your Money With No Risk

N.O.W. Account

• Maintain a Daily Ledger Balance each monthly cycle of $1,500.00 - No Service Charge

• Daily Ledger Balance below $1,500.00 each monthly cycle - $10.00 Service Charge

• Interest is Paid Monthly on the Daily Ledger Balance (See Rate Sheet)

Tiered Super N.O.W. Account

• Maintain a Daily Ledger Balance each monthly cycle of $2,500.00 - No Service Charge

• Daily Ledger Balance below $2,500.00 each monthly cycle - $10.00 Service Charge

• Tier Levels are as follows:  Tier 1: $0 - $2,499.99   Tier 2: $2,500 and over

• Interest rate reverts to the NOW Account rate when the Daily Ledger Balance falls below $2,500.00

• Interest is Paid Monthly on the Daily Ledger Balance (See Rate Sheet)

Tiered Money Market Demand Account

• Maintain a Daily Ledger Balance each monthly cycle of $2,500.00 - No Service Charge

• Tier Levels are as follows:  Tier 1: $0 -$2,499.99  Tier 2:  $2,500-$24,999.99  Tier 3:  $25,000 to $49,999.99 - Tier 4:  $50, 000 - $99,999.99       Tier 5 :$100,000 & over

• Daily Ledger balance below $2,500.00 each monthly cycle - $10.00 Service Charge

• Interest rate reverts to the NOW Account rate when the Daily Ledger Balance falls below $2,500.00

• Interest is Paid Monthly on the Daily Ledger Balance (See Rate Sheet)

• Pre-authorized transfers are limited to six per month, no more than three of which may be by check, draft, debit card, or similar order made payable to third parties.

• Unlimited transfers or withdrawals may be made in person, by mail, or at an ATM.

• Fee for each debit in excess of the legal limit - $10.00

Savings Account

• Maintain a Daily Ledger Balance of $100.00 - No Service Charge

• Daily Ledger Balance below $100.00 - $2.00 Service Charge Per Quarter

• Interest is calculated and compounded daily, paid quarterly (See Rate Sheet)

• $1.00 charge for each withdrawal after the first nine withdrawals per quarter.

• No service charge to customers age 55 and over, and to children and students thru traditional college age.

Member of the Federal Deposit Insurance Corporation