Personal

Personal

  • Minimum to open $100.00
  • Minimum $100.00 daily balance to avoid a $3.00 monthly service charge
  • Unlimited Withdrawals
  • Non-interest Bearing
  • E-Statements only – Customers may enroll in online banking; monthly statements will be sent electronically via E-statements through our website
  • Paper statement additional $3.00 monthly fee
  • Checks truncated
  • Minimum to open $100.00
  • Non-interest Bearing
  • E-Statements only – customers must enroll in online banking, monthly statements will be sent electronically via E-Statements through our websit
  • Debit Card only
  • Unlimited Debit transactions
  • Minimum to open $100.00
  • Monthly service charge of $10.00
  • Non-interest Bearing
  • Membership Benefits
  • Unlimited Withdrawals
  • Option of paper statement or E-Statement
  • Minimum to open $100.00
  • Minimum $500.00 daily balance to avoid a $ 7.00 monthly service charge.
  • Unlimited Withdrawals
  • Non-interest Bearing
  • Membership Benefits
  • Option of paper statement or E-Statement
  • Minimum to open $1,000.00
  • Minimum daily balance of $1,000.00 to avoid a $10.00 monthly service charge
  • Interest Bearing
  • Unlimited Withdrawals
  • Option of paper statement or E-Statement

  • Minimum to open $100.00
  • Minimum daily balance of $200.00 to avoid a $5.00 quarterly service charge
  • Up to 6 withdrawals or transfers per quarterly statement cycle, and additional excess fee of $5.00 per transaction
  • Interest Bearing
  • Minimum to open $2,500.00
  • Minimum daily balance of $2,500.00 to avoid a $10.00 monthly service charge
  • Interest Bearing
  • Up to 6 checks, debits, ACH or a combination free per monthly statement, excess withdrawal fee of $5.00 per item thereafter
  • Option of paper statement or E-Statement
  • Available in different terms
  • Additional information, requirements and restrictions upon request
  • A penalty may be imposed for early withdrawl
  • Call us for current rates
  • Traditional
  • Roth
  • Additional information, requirement and restrictions upon request
  • Call us for current rates

We offer a full line of loan products with competitive rates and terms. Decisions are made locally. Call a Loan Officer for more Information.

  • Automobile loans
  • Unsecured loans
  • Household furnishings
  • Vacation loans
  • Home repair/improvement loans
  • Boats-Personal water craft
  • Other loans
  • Bank retained or secondary market mortgages
  • Primary or Secondary Homes
  • Home equity loans
  • Interim constructions loan
  • Home improvement loans
  • Land & Single Family residential lot purchases

Health Savings Account

  • Contributions excluded from gross income
  • Tax-deferred interest earned on balance
  • Tax-free distributions if used for qualified medical expenses
  • Contributions remain in your account – year to year
  • HSA is portable – stays with you if you leave your employer or work force
  • At age 65, balance is considered a “savings” account; withdrawals are taxable but may be used for any purpose
  • If spouse is named beneficiary upon death, it transfers to your spouse as an HSA
  • Minimum balance of $100 to open
  • Earns interest at Money Market Savings interest rate until balance reaches $10,000 or greater, then changes to 1year CD rate
  • Monthly statements
  • Automatic monthly transfers available from your checking/savings accounts to your HSA
  • Monitor your HSA via Online Banking
  • FDIC insured
  • Department of Treasury Link for more information:
    www.treas.gov/offices/public-affairs/hsa/faq basics.shtml