Savings Accounts

Let us help you grow your money. Whether you’re saving for short-term or long-term goals, we have a variety of options available. Planning for the future begins with saving today.

Regular Savings

  • Minimum Initial Deposit*
    You must deposit $50.00 to open this account.
  • Minimum Balance to Avoid Imposition of Fees*
    A flat service charge of $3.00 will be imposed quarterly if the daily balance in the account falls below $50.00 any day of the quarter.
  • Features
    Access to Online and Mobile Banking
    ATM Card available
    Mobile Check Deposit

*This does not apply to minors.

Dormant Accounts – Regular Savings accounts will become dormant after three years of no activity. A dormant account charge of $3.00 per quarter will be charged if the balance is under $100.00. This fee does not apply to minors.

Christmas Club Savings

Save in advance to buy your presents. Each year you have an account with us, you will receive a gift.

  • Minimum Initial Deposit
    You must deposit $5.00 to open this account. Deposits may be made by automatic transfer from another account at our bank on a weekly, bi-weekly, or monthly basis. Deposits may also be made in person or by mail.
  • Pay Out of Funds
    A check for the principal and interest will be issued after the first Friday in November. The account will continue for the next plan year unless you notify us.
  • Features
    Access to Online and Mobile Banking
    Mobile Check Deposit

Money Market Demand Account

  • Minimum Initial Deposit
    You must deposit $1,000.00 to open this account.
  • Minimum Balance to Avoid Imposition of Fees
    A flat service charge of $3.00 will be imposed every monthly statement cycle if the daily balance in the account falls below $1,000.00 any day of the cycle.
  • Withdrawal Limitations
    Withdrawals from this account must be made in increments of $500.00
  • Features
    Access to Online and Mobile Banking
    Mobile Check Deposit

Children's Savings Accounts

  • Minimum Initial Deposit
    No minimum initial deposit required
  • Minimum Balance
    No minimum balance required
  • Fees
    No Service Charges
  • Features
    Access to Online and Mobile Banking
    Mobile Check Deposit

HSA (Health Savings Account)

An HSA is a tax-advantaged account that can help you pay for qualified medical expenses. HSA’s are like personal savings accounts, but the money is used to pay for health care expenses. You ultimately control the funds in your HSA, not your employer or insurance company. To be eligible to open an HSA, you must have a high-deductible health insurance plan.

Disclaimers

Rate Information – Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be compounded and credited quarterly.

Daily Balance Computation Method – We calculate the interest on your account using the daily balance method. This method applies the daily periodic rate to the principal in the account each day.

Accrual of Interest on Noncash Deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
You will receive the accrued interest if you close your account before interest is credited.

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