Checking Account Options


CHOICE ACCOUNT

  • Minimum first deposit $100.00
  • No minimum monthly balance
  • No monthly service charge
  • Customer pays for checks
  • Monthly statement with images

PIONEER | EAGLE | WARRIOR ACCOUNTS

  • Minimum first deposit $100.00
  • $5.00 monthly service charge, regardless of balance
  • 2 free boxes of checks per year
  • Other bank services at no cost or discount price
  • Monthly statement with images

FULL TIME STUDENT ACCOUNT

  • Minimum first deposit $100.00
  • No minimum balance required
  • No service charge
  • Student / Minor pays for checks

Interest Bearing Accounts

SENIOR NOW ACCOUNT

  • Must be 55 years of age or older
  • Minimum first deposit $100.00
  • Minimum daily balance of $1,000.00 or more to earn disclosed *APY
  • No service charge
  • 2 free boxes of checks per year
  • Entities organized or operated to make a profit such as a corporation, partnership, or associations may not maintain NOW accounts.

 

Interest Rate *APY
0.10% 0.10%

NOW ACCOUNT

  • Minimum first deposit $1,000.00
  • Minimum daily balance of $1,000.00 to earn disclosed *APY
  • $10.00 charge if balance falls below $1,000.00
  • Customer pay for Checks
  • Entities organized or operated to make a profit such as a corporation, partnership, or associations may not maintain NOW accounts.

 

Interest Rate *APY
0.10% 0.10%

SUPER NOW ACCOUNT

  • Minimum first deposit $2,500.00
  • $10.00 charge if balance falls below $2,500.00
  • With tier account options.
  • Customer pays for checks
  • Entities organized or operated to make a profit such as a corporation, partnership, or associations may not maintain NOW accounts.

 

Tier Interest Rate *APY
$2,500 & over 0.15% 0.15%
$.01 – $2499.99 0.10% 0.10%

MONEY MARKET ACCOUNT

  • Minimum first deposit $2,500.00
  • $10.00 charge if balance falls below $2,500.00
  • With tier account options.
  • Check writing/withdraw restrictions
  • $5.00 fee charged for excess withdraws
  • Customer pays for checks

 

Tier Interest Rate *APY
$2,500 & over 0.20% 0.20%
$.01 – $2499.99 0.10% 0.10%

PREMIUM MONEY MARKET ACCOUNT

  • Minimum first deposit $5,000.00
  • $20.00 charge if balance falls below $35,000.00
  • With tier account options
  • Check writing/withdraw restrictions
  • $5.00 fee charged for excess withdraws
  • Customer pays for checks

 

Tier Interest Rate *APY
$35,000 & over 0.30% 0.30%
$.01 – $34,999.99 0.20% 0.20%

PERSONAL SAVINGS ACCOUNT

  • Minimum first deposit $100.00
  • $1.00 charge if balance falls below $100.00
  • $1.00 fee per excess withdraw
  • Minimum daily balance of $100.00 to earn disclosed *APY

 

 

Interest Rate *APY
0.30% 0.30%

STUDENT | MINOR CHILD SAVINGS ACCOUNT

  • Minimum first deposit $25.00
  • Minimum daily balance $25.00 to earn disclosed *APY
  • No service charge

 

 

Interest Rate *APY
0.30% 0.30%
Interest Rate may change after account is opened.  |  Effect of Fees (Fees could reduce the earnings.)  |  *Annual Percentage Yield – Rates Effective: November 24, 2023

Certificates of Deposits

CD’s

91 & 182 Day Certificate of Deposit

12, 18, 24, 30, 36, 48 & 60 Month Certificate of Deposit

$500.00 Minimum

 

Term Interest Rate *APY
91 Days 0.50% 0.50%
182 Days 0.75% 0.75%
12 Months 1.00% 1.00%
18 Months 1.10% 1.10%
24 Months 1.25% 1.26%
30 Months 1.30% 1.31%
36 Months 1.50% 1.51%
48 Months 1.75% 1.76%
60 Months 2.00% 2.02%


Current CD Special
15 Month Special – 4.75% Rate / 4.84% APY
Auto Renew as 12 Months – 6 Month Interest Penalty if Cashed Early

Penalties will or may be imposed for Early Withdrawals  |  *Annual Percentage Yield – Rates Effective: November 24, 2023

Special Occasion Accounts

CHRISTMAS CLUB ACCOUNT

  • Minimum first deposit $1.00
  • Unlimited deposits
  • Funds not available until maturity
  • Checks will be issued the first business day of October each year
  • Minimum daily balance of $1.00 to earn disclosed APY.

 

Interest Rate *APY
0.10% 0.10%

VACATION CLUB ACCOUNT

  • Minimum first deposit $1.00
  • Unlimited deposits
  • Funds not available until maturity
  • Checks will be issued the first business day of May each year
  • Minimum daily balance of $1.00 to earn disclosed APY.

 

Interest Rate *APY
0.10% 0.10%
Penalties will or may be imposed for Early Withdrawals  |  *Annual Percentage Yield – Rates Effective:  November 24, 2023