Deposits Accounts

Passbook Savings

Minimum balance to open is $25.00

Balance required to earn the current APY is $50.00

Daily compounding

Pays interest quarterly

No service fees

No early withdrawal penalties

No limitation on the 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

Certificates 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 $200.00

Interest earned on balances $200.00 or greater

Monthly statement

No service charge with a minimum daily balance of $200.00. 

Below $200 daily balance, a $15.00 per month service charge will apply.

"Sixty-Plus" Free Checking Accounts (Senior Citizens)

Minimum balance to open $200.00

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

No service fees

Annual distribution of funds on the Monday before Thanksgiving