Personal Banking

We offer several personal checking and savings accounts. Take a look at the features and choose the one that best fits your needs.

Checking Accounts Savings Accounts

 

Checking Accounts

Personal Regular Checking

  • Minimum deposit to open: $250
  • Minimum average balance requirement: $600
  • Fees if average balance not met: $5 monthly service charge + $.20 per check over 20 per month
  • ATM accessible
  • Monthly check image statement
  • No monthly service charge or check fee for persons over 65 or enrolled student

Super Now Checking

  • Minimum deposit to open: $2,500
  • Minimum average balance requirement: $2,500
  • Fees if average balance not met: $5 monthly service charge + $.20 per check over 20 per month
  • No interest paid if balance falls below $2500
  • ATM accessible
  • Monthly check image statement

Savings Accounts

Statement Savings Account

  • Minimum deposit to open: $25
  • No monthly service charge
  • Interest compounded and paid quarterly
  • Three free withdrawals per month, $1 per withdrawal thereafter
  • ATM accessible
  • Quarterly statement or monthly if electronic activity

Certificates Of Deposit

  • Receive guaranteed earnings and attractive yields
  • Maturities from 3 to 12 months
  • Minimum deposit to open as low as $1000
  • Penalty for early withdrawal

Retirement Accounts

Traditional IRA

  • Minimum deposit to open: $25
  • Additional deposits of any amount
  • Funds tax deferred until withdrawn
  • May be eligible as tax deduction
  • Minimum distribution required after 70½
  • Penalty for early withdrawal is less the 59½ years of age
  • Separate FDIC Insurance up to $250,000

Roth IRA

  • Minimum deposit to open: $25
  • Additional deposits of any amount
  • Can make contributions after 70½ with earned income
  • Not required to take minimum distribution at 70½
  • Penalty for early withdrawal if less than 59½ years of age
  • Separate FDIC Insurance up to $250,000