Personal Checking
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- The monthly service charge is waived on account owners who are age 50 and older
- Competitive interest rate regardless of account balance
- Low minimum opening balance requirement
- No monthly service charge when balance maintained above $750
- Free bank ATM access and usage
- Unlimited check writing without additional fees
- Choice of ATM or Debit Card at no cost
- Free online banking
Money Market Checking
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- Higher interest rate than personal checking with some check writing restrictions
- Free limited ATM or Debit Card access and usage
Debit Card
Visa Debit Card Acceptance and Plus ATM locator
Report lost or stolen cards at 423-543-5050 or toll free at 1-800-528-2273
Passbook Savings
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- Low opening balance requirement
- Interest rate is compounded daily
- Unlimited withdrawal and deposit transactions
Statement Savings
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- Interest rate is compounded daily
- Low opening balance requirement
- Unlimited withdrawal and deposit transactions
- Free ATM Card access and usage
- Quarterly statements are provided
Christmas Club
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- Convenient savings method for holiday expenses
- Interest rate is compounded daily
- Low opening deposit requirement
- No restrictions on deposits
- Check is mailed to customer for account balance in Nov.
- Account is renewable each year
Certificate of Deposit
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- Competitive interest rates on account terms from 91 days to 5 years
- Interest rates are compounded daily on all accounts
- Automatic term renewal at maturity
Deposit Rates
6 Month CD - 0.500%
Interest Rate
0.500%
Annual % Yield (APY)
0.50%
Minimum Opening Amount
$2500.00
Minimum Balance Requirement
$2500.00
12 Month CD - 1.500%
Interest Rate
1.500%
Annual % Yield (APY)
1.51%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
18 Month CD - 1.500%
Interest Rate
1.500%
Annual % Yield (APY)
1.51%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
24 Month CD - 1.750%
Interest Rate
1.750%
Annual % Yield (APY)
1.77%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
30 Month CD - 1.750%
Interest Rate
1.750%
Annual % Yield (APY)
1.77%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
48 Month CD - 2.125%
Interest Rate
2.125%
Annual % Yield (APY)
2.15%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
60 Month CD - 2.2250%
Interest Rate
2.250%
Annual % Yield (APY)
2.28%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
Interest rates are subject to change at any time without notice.
Individual Retirement Accounts
-
- Interest rates are compounded daily
- Unlimited deposits (subject to IRS regulations) on our 18 month account
- Various account terms available up to 5 years
Deposit Rates
6 Month IRA - 0.500%
Interest Rate
0.500%
Annual % Yield (APY)
0.50%
Minimum Opening Amount
$2500.00
Minimum Balance Requirement
$2500.00
12 Month IRA - 1.500%
Interest Rate
1.500%
Annual % Yield (APY)
1.51%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
18 Month IRA - 1.500%
Interest Rate
1.500%
Annual % Yield (APY)
1.51%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
24 Month IRA - 1.750%
Interest Rate
1.750%
Annual % Yield (APY)
1.77%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
30 Month IRA - 1.750%
Interest Rate
1.750%
Annual % Yield (APY)
1.77%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
48 Month IRA - 2.125%
Interest Rate
2.125%
Annual % Yield (APY)
2.15%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00
60 Month IRA - 2.2250%
Interest Rate
2.250%
Annual % Yield (APY)
2.28%
Minimum Opening Amount
$500.00
Minimum Balance Requirement
$500.00