DEPOSIT SERVICES:

Passbook Savings - Minimum balance to open is $25.00
Balance required to earn the current APY is $50.00
Daily compounding
Pays interest quarterly
Current Interest Rate :  0.75%, APY: 0.75%
No service fees
No early withdrawal penalties
No limitation on number of withdrawals
Money Market Deposit Accounts - Minimum balance  $1,000.00
Variable rate
Daily compounding
Pays interest monthly
Monthly statement
Three personal checks allowed per month
Unlimited in-person access to your funds
No early withdrawal penalties
No service fees
Certificiates of Deposit (CD's) - 
Terms
Minimum Balance
3 Months
$1,000.00
6 Months
$1,000.00
12 Months
$500.00
18 Months
$500.00
24 Months
$500.00
30 Months
$500.00
36 Months
$500.00
48 Months
$500.00
60 Months
$500.00
Call or email for our current rates.

All CD's feature daily compounding of interest.
All CD's are subject to early withdrawal penalties.

NOW Accounts (Checking)
Minimum balance to open $300.00
Interest earned on balances $300.00 or greater
Monthly statement
No service charge with a minimum daily balance of $300.00. Below $300 daily balance, a $10.00 per month service charge will apply.
 
"Sixty-Plus" Free Checking Accounts (Senior Citizens)
Minimum balance to open $300.00
Interest earned on any balance at .50%, APY .51%
Monthly statement
No service charge
Free "Sixty-Plus" checks
Individual Retirement Accounts (IRA's)
Offer Passbook Saving and all Certificates of Deposits as Individual Retirement Accounts
Christmas Club Savings
Passbook Savings - Minimum balance to open is $25.00
Balance required to earn the current APY is $50.00
Daily compounding
Pays interest quarterly
Current Interest Rate :  0.75%, APY: 0.75%
No service fees
Annual distribution of funds on Monday before Thanksgiving

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