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Personal Savings

Standard Savings

Our Standard Savings account is a basic savings account with a lower maintenance fee than other accounts. It is best suited consumers wanting to invest smaller amounts of money while maintaining limited access to their funds. This account is popular with family members wanting to open an account for minors, for which we waive the monthly maintenance fee.

Our standard savings account earns interest while maintaining limited access to your funds.

A $300.00 minimum balance is required. There is a $3.00 monthly maintenance fee if minimum ledger balance falls below $300.00. There is a limit of six preauthorized withdrawals (including overdraft protection transfers) allowed per statement period. There is a $2.00 service charge per withdrawal after three per quarter. There is a $5.00 Early Closure Fee (account closed within 6 months of first transfer).

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Money Max Accounts

Money Max is a checking and savings account package providing a checking account with no monthly maintenance fee and a savings account earning better than market rate interest. It is best suited for consumers who want to maximize their earnings potential while maintaining access to their funds.

It features a no monthly maintenance fee on the checking account. Accounts may be linked to provide overdraft protection. A $2500.00 minimum balance is required in the Money Max savings account. There is a $5.00 monthly fee if minimum savings balance is less than $2500.00.  There is a limit of six preauthorized withdrawals (including overdraft protection transfers) allowed per statement period. A $2.00 service fee per savings withdrawal or transfer after three per month.

If the savings balance remains below $2500.00 for a 90 day period, both accounts are converted to standard accounts. There is a $5.00 Early Closure Fee (account closed within 6 months of first transfer).

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Christmas Club Savings

Our Christmas Club Savings account is a basic savings account plan with transfer amounts selected by the customer. It is best for consumers who want to save money throughout the year for their holiday expenses. It is also great for business customers who need additional cash around the holidays for expenses.

This account features convenient automatic transfers from an existing checking account. There are no monthly fees or transfer fees. It fits any size budget because transfer amounts are selected by the customer. It also earns a variable rate of interest on daily balances.

There is no minimum balance required. There is a $5.00 Early Closure Fee (account closed within 6 months of first transfer). Transfers can be stopped without closing account.

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Vacation Clubs

We offer three different vacation clubs: Winter, Summer and Fall. These are basic savings account plans with transfer amounts selected by the customer. They are best for consumers who want to save money throughout the year for their vacation expenses.

Vacations are unique as our customers. This is why we offer a choice of three different plans to fit individual needs. This account features convenient automatic transfers from an existing checking account. There are no monthly fees or transfer fees. It fits any size budget because transfer amounts are selected by the customer. These accounts also earn a variable rate of interest on daily balances.

There is no minimum balance required. There is a $5.00 Early Closure Fee (account closed within 6 months of first transfer). Transfers can be stopped without closing account.

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I.R.A (Individual Retirement Account)

Individual Retirement Accounts that are FDIC insured are available for several purposes ranging from Tax-Deferred Accounts, Tax-Free Beneficiaries, and Education. They are best for consumers wanting to save money for retirement or educational expenses.

Customers may choose between fixed rate investments for 6 months, 12 months, 2 years, 3 years or 5 years or variable rate investments for 18 months, 3 years or 5 years.

$100.00 is required to open an IRA. Contributions are capped at $5,000.00 per year per individual. Individuals 50 and older may contribute up to $6,000 per year.

Early withdrawal penalties apply. Penalty for early withdrawal is 3 months of interest plus applicable IRS penalties of 10%. Please contact our IRA Administrator or a customer service representative for more information about applicable fees and terms. There is a $5.00 Early Closure Fee (account closed within 6 months of first transfer).

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