Deposits
- Regular Checking Account
- Now Checking Account
- Super Now Checking Account
- Money Market T-Bill Checking
- Money Market Savings
- 1st Kids Club Passbook Savings Account
- 1st Teen Club Certificate of Deposit
- Certificate of Deposit
- Retirement Accounts: IRA's, SEP IRAs, Roth IRA's
- Health Savings Account
The rates listed below are effective as of
If you're looking for an account that will help you make every penny count, you'll appreciate the features of our Regular Checking Account.
-No minimum balance requirement
-No service charges
-Free first order of personalized checks
-Free unlimited check writing
-Free ATM or Visa Debit Card (subject to qualification)
-Anyone age 55 or over qualifies for free or low cost checks.
When you want an interest-bearing account with a low minimum balance requirement, check out our NOW Checking Account.
-Maintain a $500 minimum balance and there is no service charge
-Free first order of personalized checks
-Earn interest on every penny
-Free unlimited check writing
-Free ATM or Visa Debit Card (subject to qualification)
-Anyone age 55 or over qualifies for free or low cost checks.
When you have a higher dollar amount that you want to invest, but you still want your money where you can access it at any time, check out our Super Now Account.
-Maintain a $2500 minimum balance and there is no service charge
-Free first order of personalized checks
-Earn interest on every penny
-Free unlimited check writing
-Free ATM or Visa Debit Card (subject to qualification)
If you want to have your money accessible, but would like to earn a competitive rate for your money, this is the account for you.
-Maintain a $10,000 minimum balance to earn the highest tier rate
-No monthly service charge
-Use this account to fund your other checking accounts
This account provides an opportunity to put money away for special occasions, such as college education, retirement, or unexpected emergencies. The best part is you can access it easily.
-Open an account with a $10 deposit
-No service charges
-Free ATM card (subject to qualification)
1st Kids Club Passbook Savings Account
This is a great savings tool for kids ages 5 through 13. Kids can learn the benefits of savings on a regular basis. They earn “pig points” for monthly deposits into their accounts, and can save these points to turn them in for rewards.
-Open an account with a $5 deposit
-No service charges
-Account earns 1% above the Money Market Savings Account rate
1st Teen Club Certificate of Deposit
Has your child outgrown his or her 1st Kids Club Savings Account? Check out our 1st Teen Certificate of Deposit. This account is for kids ages 14-18. This is a great way for your teen to save for that first car or for college expenses.
-Open an account with a minimum deposit of $250
-CD term is 24 months
-One deposit per month may be made to the CD not to exceed $500 per month
-A penalty may be imposed for early withdrawal
A variety of terms are available, offering you higher annual percentage yields for your investment.
-Terms ranging from 91 days to 60 months
-Minimum deposit of $500
-A penalty may be imposed for early withdrawal
Retirement Accounts: IRA's, SEP IRAs, Roth IRA's
Save for your retirement with one of our IRA accounts-the higher yielding deposit or the flexible savings account.
-Savings account with no fee for contributions or distributions
-Certificate of deposit, with terms ranging from 11 months to 60 months
-No early withdrawal penalty imposed after reaching age 59 1/2; however, a penalty may be imposed for early withdrawal from a certificate of deposit.
A health savings account is a tax exempt account established to be used for the exclusive purpose of paying the medical expenses of you, your spouse and your dependents.
- $100 minimum deposit to open account
- No monthly service charges
- Free first order of personalized checks
- Earn interest on every penny
- Free unlimited check writing
-Any customer age 55 or over will receive the following services:
Free photo copies (limited)
Free Traveler's Checks
Free personal money orders and cashier's checks
Account Type |
Interest Rate |
Annual Percentage Yield (A.P.Y.) |
Minimum Deposit to Open Account |
Minimum Balance to Obtain A.P.Y. |
Money Market Savings |
1.15% |
1.15% |
$10.00 |
$0.01 |
Money Market Savings |
1.25% |
1.25% |
$10.00 |
$90,000.00 |
1st Kids Club Savings |
2.15% |
2.15% |
$5.00 |
$0.01 |
Christmas Club Savings |
1.15% |
1.15% |
$10.00 |
$0.01 |
I.R.A. Open Savings |
1.74% |
1.75% |
$10.00 |
$0.01 |
Rates may change after the account is opened. Fees may reduce earnings. |
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Account Type |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit to Open Account |
Minimum Balance to Obtain A.P.Y. |
91 Day |
0.40% |
0.40% |
$500.00 |
$500.00 |
182 Day |
1.00% |
1.00% |
$500.00 |
$500.00 |
9 month |
.85% |
.85% |
$500.00 |
$500.00 |
11 Month |
1.39% |
1.40% |
$500.00 |
$500.00 |
12 Month * |
1.49% |
1.50% |
$500.00 |
$500.00 |
18 Month * |
1.74% |
1.75% |
$500.00 |
$500.00 |
24 Month * |
1.84% |
1.85% |
$500.00 |
$500.00 |
30 Month * |
1.89% |
1.90% |
$500.00 |
$500.00 |
36 Month * |
1.99% |
2.00% |
$500.00 |
$500.00 |
48 Month * |
2.09% |
2.10% |
$500.00 |
$500.00 |
60 Month * |
2.24% |
2.25% |
$500.00 |
$500.00 |
1st Teen |
1.84% |
1.85% |
$250.00 |
$250.00 |
A penalty may be imposed for early withdrawal. Individual Retirement Account certificates available for terms 11 through 60 months. |
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Account Type |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit to Open Account |
Minimum Balance to Obtain A.P.Y. |
Checking |
0.40% |
0.40% |
$100.00 |
$.01 |
Rates may change after the account is opened. Fees may reduce earnings. |
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Account Type |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit to Open Account |
Minimum Balance to Obtain A.P.Y. |
Checking |
0.40% |
0.40% |
$100.00 |
$0.01 |
Checking |
0.45% |
0.45% |
$100.00 |
$2,500.00 |
Rates may change after the account is opened. Fees may reduce earnings. |
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Account Type |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit to Open Account |
Minimum Balance to Obtain A.P.Y. |
Checking |
0.45% |
0.45% |
$100.00 |
$0.01 |
Checking |
.95% |
.95% |
$100.00 |
$2,500.00 |
Rates may change after the account is opened. Fees may reduce earnings. |
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Checking |
0.50% |
0.50% |
$100.00 |
$0.01 |
Checking |
1.24% |
1.25% |
$100.00 |
$10,000.00 |
Rates may change after the account is opened. Fees may reduce earnings. |
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Account Type |
Interest Rate |
Annual Percentage Yield |
Minimum Deposit to Open Account |
Minimum Balance to Obtain A.P.Y. |
Checking |
0.25% |
0.25% |
$100.00 |
$0.01 |
Checking |
0.65% |
0.65% |
$100.00 |
$1,000.00 |
Checking |
1.74% |
1.75% |
$100.00 |
$2,500.00 |
Rates may change after the account is opened. Fees may reduce earnings. |
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Each depositor insured to $250,000
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