Banking Services | Personal Savings Accounts

  • Telephone Banking with local support
  • eBanking with local support
    -eStatements available
  • ATM card available to individuals
  • BALANCE earns interest
  • Fee of $2 waived if you maintain a balance of $100 - Fee could reduce the earnings on the account
  • Fee waived for minor accounts
  • After the sixth withdrawal $2.00 for each additional withdrawal
  • Semi-Annual Statement
  • Unimited Transactions
    - In-person transfers and withdrawals
    - ATM transfers and withdrawals
    - Deposits
  • Limited Transactions(Up to six per month)
    - eBanking transfers
    - Telephone Banking transfers
    - Check, draft, debit card or similar
      order payable to third party
    - Preauthorized or automatic withdrawals
    - Telephonic agreement
    - Transfer to another account at the bank or third party
  • Balance earns interest
  • Higher interest rate than most other saving accounts
  • Periodic deposits accumulate for your Christmas Savings
  • Interest rate is fixed for each entire plan year
  • Subject to withdrawal fee
  • Annual statement
  • Balance matures and is distributed to you each October 31st
  • Maximum balance
  • Competitive interest rates- individuals are higher than for most other savings plans
  • Interest rate is fixed for the full original term of the certificate
  • Interest can be deposited periodically to other accounts with us
  • Interest can be paid periodically to you
  • Penalty may apply for early withdrawal
Traditional IRA - Certificate of Deposit
  • Balance earns tax deferred interest
  • Competitive fixed interest rates
  • Contributions may be tax deductible (consult tax advisor regarding deductibility)
  • Spousal IRA contributions are allowed
  • One or more beneficiaries may be designated
  • Penalty may apply for early withdrawal
ROTH IRA - Certificate of Deposit
  • Account earns interest that may be tax-free when balance is left for at least five years and withdrawals are made upon disability, death, reaching the age of 59.5 or for a first home purchase
  • Competitive fixed interest rates
  • Funds can be deposited at any age and are not subject to minimum
    withdrawal or distribution requirements
  • Spousal IRA contributions are allowed
  • One or more beneficiaries may be designated
  • Penalty may apply for early withdrawal