Savings Accounts:

• Minimum opening balance of $100.00
• Minimum opening balance for customers under 18 is $25.00
• Earn interest each day the collected balance is $100.00 or more.
• Interest rates are posted in bank lobby.
• Earned interest is deposited to the account each May 31 and November 30.
• FEES: In any month that the average collected balance falls below $100.00 ($25.00 if under 18 years old), a $2.00 maintenance fee will be assessed.
• A $.25 charge per withdrawal in excess of 4 per month will be assessed. No interest is paid on accounts closed prior to interest payment dates.

• We quote rates for 6 month - 3 Year Certificates
• Interest may be deposited to your bank account or compounded to your certificate.
• We offer various CD's to fit your investment needs.

Penalty for early withdrawal of Certificates of Deposit

We offer the following selection of terms on our IRA's, with attractive interest rates:

• 1 - 3 year fixed rate
• 30 month TDOA (Time Deposit Open Account)
• 1 year Roth

Interest compounded semi-annually

Current certificate and IRA rates are posted in Bank Lobby