PERSONAL SAVINGS: 
Our personal savings account offers you a secure place for your spare funds with convenient access whenever you need it. Statements are issued quarterly for these accounts. You may make six (6) withdrawals per quarterly statement cycle at no charge. Additional withdrawals are $2 each in excess of six (6) withdrawals. The interest rate and annual percentage yield may change at our discretion at any time. Interest will be compounded and credited to the account quarterly. Interest begins to accrue on the date of deposit if received by 7:00 pm on a business day.  
 
  • Minimum opening deposit is $50.
  • Quarterly maintenance charge of $6, if the daily balance falls below $200.
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    MINOR SAVINGS 
    Our Minor Savings account offers customers under 18 the opportunity to invest in their own future by saving their nickels and dimes.  
     
    Statements are issued quarterly for these accounts. You may make six (6) withdrawals per quarterly statement cycle at no charge. Additional withdrawals are $2 each in excess of six (6) withdrawals. The interest rate and annual percentage yield may change at our discretion at any time. Interest will be compounded and credited to the account quarterly. Interest begins to accrue on the date of deposit if received by 7:00 pm on a business day.  
     
    Minimum opening deposit is $25. The child's social security number is required to open with signatures of parent or legal guardian. There is no maintenance charge on this account until the child reaches 18 years of age. 
     
     
    CHRISTMAS CLUB SAVINGS 
    Our Christmas Club account offers you a way to save for your holiday spending without the crunch of waiting until the holidays. You must deposit $10.00 to open this account. You may not make withdrawals from your account. At the end of the Club Account period the funds in the account will be mailed to you by check. A minimum ending balance as of October 31st of each year must be greater than $10 or a service charge equal to the balance will be assessed and no disbursement will be made. 


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