Products & Services
Regular Checking
• $50 minimum deposit to open
• No monthly service charge with a $300 average daily balance (or $5.00 service charge plus tax)
• No service charges for students or seniors, age 59 1/2 or older
NOW Checking
• Interest bearing account
• $1,000, minimum to open and maintain average balance (or $5.00 service charge plus tax and no interest)
SUPER NOW checking
• Interest bearing account
• $2,500, minimum to open and maintain average balance (or $5.00 service charge plus tax and no interest)
With All Checking Accounts:
• Unlimited check writing
• Free check imaging
• Free financial organizer for statements
Savings
• $50 minimum balance
• 3 free withdrawals per month, $1 thereafter
• No monthly service charge with $50 average balance (or $2.00 service charge)
• No service charge if statement received electronically.
Certificates of Deposit
• Various maturities from 91 days to 5 years
• Substantial penalties for early withdrawal
Christmas Club Savings
• $25 minimum deposit to open
• November 1st of each year a check will be issued and mailed. If a withdrawal is made prior to November 1st, the accrued interest will be forfeited.
HIFI Savings
• $2,500 minimum to open
• Maintain average daily balance of $2,500 to earn interest
• 6 withdrawals per month free
• $10,000 average balance may earn higher rate
IRA’s
• Certificate of Deposit IRA’s
• 6 month terms with IRA interest rates
• Substantial penalties for early withdrawal
• Traditional & Roth IRA’s available
• Annual fee $25.00
ATM Cards
• Withdraw from an ATM terminal only
• $5.00 annual fee
• Ten withdrawals per month free, $0.50 per withdrawal thereafter
• Transfers can be made between savings and checking accounts
• (ATM cash withdrawals from savings accounts not permitted)
Debit Cards
• $15.00 per card number to activate
• Ten ATM withdrawals per month free, $0.50 per withdrawal thereafter
• Point of sale transactions free
• Limit 7 transactions per day
• Transfers can be made between savings and checking accounts
• (ATM cash withdrawals from savings accounts not permitted)
