Personal Accounts

This account offers unlimited check writing and requires a $100 deposit to open.  A service fee of $4.75 will be imposed every statement cycle if the balance in the account falls below $300 any day of the statement cycle.

This account is for electronic banking customers and requires a $50 deposit to open.  A service fee of $5.00 will be imposed every statement cycle if two of the following three requirements are not met:

• A direct deposit received into the account per statement cycle,
• Customer has agreed to receive online statements only, and/or
• Four or more debit card purchases are performed per statement cycle.

This account is offered to those customers age 50 and better. You must deposit $100 to open this account. This is an interest-bearing account.  Interest will be compounded monthly and credited to your account monthly.  This account offers no minimum balance, unlimited check writing, free checks and up to four no fee money orders per monthly statement cycle. 

This is an interest-bearing account which requires a $100 deposit to open. Interest will be compounded monthly and credited to your account monthly. A service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000 any day of the statement cycle.

This is an interest-bearing account which requires a $100 deposit to open. Interest will be compounded quarterly and credited to your account quarterly. A service fee of $3.00 will be imposed every month if the balance in the account falls below $300 any day of the month.

This is an interest-bearing account for children under the age of 18 and requires a $20 deposit to open. Interest will be compounded quarterly and credited to your account quarterly.  A service fee of $2.00 will be imposed every month if the balance in the account falls below $20.00 any day of the month.  After the primary account holder reaches the age of 18, the minimum balance to avoid the service charge increases from $20 to $300.

It is never too early to start saving for the holidays. This is an interest-bearing account. Interest will be compounded quarterly and credited to your account quarterly. You may not make any withdrawals or transfers from this account to another account of yours or a third party. All proceeds will be disbursed annually by check or automatic transfer on November 1st.

This is an interest-bearing account which requires a $100 deposit to open.  Interest will be compounded monthly and credited to your account monthly.  A service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the statement cycle.  The interest rate and annual percentage yield depend upon the applicate rate tier.  The corresponding interest rate is paid on the entire balance, depending on which tier the average-daily-balance is in.

• Tier 1: $2,500 - $24,999.99
• Tier 2: $25,000 +

A certificate of deposit offers an attractive interest rate with flexible terms. This product is a great way to save money over a set period of time without the temptation of withdrawal prior to maturity. Call us for information about our current rates or any specials we may be offering.

IRAs are excellent investment options to help you grow your retirement with tax-free earnings. You do not pay taxes on your investment earnings on a Traditional IRA until you withdraw your funds at retirement. With a Roth IRA, qualified distributions are tax-free, therefore earnings on a Roth IRA are generally tax-free. You may even qualify for a traditional or Roth IRA if you are covered under a company 401k or defined benefit retirement plan. Yearly contribution limits apply. You should consult your tax professional to see if you qualify.

A Health Savings Account can help make it easier to plan, save and pay for health care.  HSAs provide, for those eligible, an innovative way to save for medical expenses by allowing you to make deposits into an account on a tax-advantaged basis.
To be eligible, you must:

• Have coverage under an HSA-qualified ‘high-deductible health plan’ (HDHP)
• Have no other first-dollar medical coverage (other types of insurance like disability, dental care, vision care, or long-term care insurance are permitted)
• Not be enrolled in Medicare
• Not be claimed as a dependent on someone else’s tax return

Benefits of an HSA:

• Save money on health insurance and taxes (please consult your tax advisor)
• Earn money on your investment
• Take advantage of more options with your healthcare dollars
• Save for future medical expenses
• Roll balances over from year to year

An HSA provides you tax savings:

• Tax deductions when you contribute to your account
• Tax-free earnings through your investment
• Tax-free withdrawals for qualified medical expenses