Personal Savings Accounts

• Regular Savings*
  • Minimum opening deposit is $100

• Youth Savings*
  • 18 years of age and younger
  • Minimum opening deposit $50

• Christmas Club*
  • Minimum opening deposit $50

• Certificates of Deposit (CD’s)
  • Minimum deposit $500
  • (Please call for Current Rate, terms and annual Percentage yields)
  • Subject to early withdrawal penalty

• Individual Retirement Accounts (IRA’s)
  • (Please call for Current Rate, terms and annual Percentage yields)

• Health Savings**
  • No monthly minimum balance requirement
  • No monthly maintenance fee
  • Tiered interest rate plan
  • Check writing privileges
  • Online inquiry access

*A maintenance fee of $7.50 will be charged each calendar quarter if withdrawals exceed three per quarter. A per-debit fee of $1.00 will be charged for each withdrawal in excess of three during a quarter. These fees will not apply if your daily balance is $1,000 or more.

**Qualified medical expenses are defined by sec. 214 of the IRS Code. Participants should consult their own tax advisor for confirmation and/or more thorough tax information on a case-by-case basis.

Other personal services include:

• ATM’s at all locations
• Credit card cash advances
• Night Deposits
• Visa debit cards
• Visa Travel money cards
• Visa Gift Cards
• Visa and MasterCard credit cards
• Overdraft privileges
• Advance Plus Lines of credit