Savings

• Minimum opening deposit of $10.00.
  
• Minimum $5.00 daily balance to earn interest
  
• Must maintain a minimum daily balance of $100.00 to avoid a $2.00 monthly maintenance fee
  
• If account becomes inactive (dormant), all balances under $300.00 will be assessed a $3.00 dormant account fee per month
  
• An account will become inactive or dormant if there is no customer activity in the previous 24 months
  
• Anyone under 18 years of age will not be subject to the $2.00 monthly maintenance fee or $3.00 dormant account fee upon proof of age.
  
• Interest* is compounded quarterly and credited to the account quarterly.
  
• Statements will be issued quarterly.
  
• Allows for six pre-authorized transfers each statement period (check, draft, pre-authorized or automatic transfers, telephone order or instructions, computer transfers, debit card or similar order to a third party).

• Under 18 years of age or an UTMA account
  
• Minimum opening deposit $10.00
  
• No Minimum balance required on all active accounts
  
• Minimum $5.00 daily balance to earn interest
  
• Interest* is compounded quarterly and credited to the account quarterly
  
• Allows for six pre-authorized transfers each statement period (check, draft, pre-authorized or automatic transfers, telephone order or instructions, computer transfers, debit card or similar order to a third party.)

• Low minimum deposits of $500.00 for CDs of 18 months or shorter, $1000.00 for 24-60 month CDs
  
• Flexible terms: 91 days to 60 months
  
• 91 days to 12 months one withdrawal per term with penalty
  
• 18 months to 60 months three withdrawals per year with penalty
  
• Check our current interest rates*
  
• Interest may be compounded, transferred to another account, or sent to you in a check

Individual Retirement Accounts

• Minimum opening deposit of $50.00
  
• Traditional IRA
  
• Roth IRA
  
• A penalty may be imposed for early withdrawals.