Personal Accounts

  • Personal Checking

    • 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

    • Higher interest rate than personal checking with some check writing restrictions
    • Free limited ATM or Debit Card access and usage

  • Passbook Savings

    • Low opening balance requirement
    • Interest rate is compounded daily
    • Unlimited withdrawal and deposit transactions

  • Statement Savings

    • 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

    • 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

    • 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