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: October 1, 2024

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	3.75%	3.80%
182 Days	3.75%	3.80%
12 Months	3.75%	3.80%
18 Months	3.50%	3.55%
24 Months	3.00%	3.03%
30 Months	2.80%	2.83%
36 Months	2.70%	2.73%
48 Months	2.60%	2.63%
60 Months	2.50%	2.52%

Penalties will or may be imposed for Early Withdrawals | *Annual Percentage Yield – Rates Effective: October 1, 2024

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: October 1, 2024