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Personal Banking

Savings Accounts

Our savings accounts are FDIC insured up to $250,000.

ADULT SAVINGS ACCOUNT

  • $100 minimum balance to open account 
  • $100 minimum balance to earn interest
  • Variable interest rate
  • Statements issued quarterly, unless on Single-Statement Banking in which case they will be issued monthly
  • Images Included
  • Limit of 6 withdrawals per month, excess withdrawal fee of $1.00 per item after 6.
  • $1.00 monthly maintenance fee is assessed if average daily balance drops below $100
  • Maintenance fees charged to account monthly
  • Per Regulation D, during any month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or by check, draft, debit card, internet/telephone banking or similar order.  If you exceed the transfer limitations set forth above in any month, your account may be subject to closure.

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YOUTH SAVINGS ACCOUNT

  • $10 minimum balance to open account for a child (under age 23)
  • $100 minimum balance to earn interest
  • Variable interest rate
  • Statements issued quarterly, unless on Single-Statement Banking in which case they will be issued monthly
  • Images Included
  • Limit of 6 withdrawals per month, excess withdrawal fee of $1.00 per item after 6.
  • Monthly maintenance fee is waived for individuals under the age of 23
  • Per Regulation D, during any month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or by check, draft, debit card, internet/telephone banking or similar order.  If you exceed the transfer limitations set forth above in any month, your account may be subject to closure.

Apply Now

MONEY MARKET

  • $1,000 minimum balance to open
  • $1,000 minimum balance to earn interest
  • Tiered Variable Rate
  • $5 monthly maintenance fee if average daily balance drops below $1,000
  • Limit of 6 withdrawals per month
  • Excess withdrawal fee $1.00 per item after first 6 withdrawals 
  • Per Regulation D, during any month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or by check, draft, debit card, internet/telephone banking or similar order.  If you exceed the transfer limitations set forth above in any month, your account may be subject to closure.

Apply Now

HEALTH SAVINGS ACCOUNTS (HSA)

A Health Savings Account (HSA) is a tax-sheltered account into which you can put money to save for future medical expenses. There are certain advantages to putting money into these accounts, including tax-free contributions, earnings and qualified withdrawals. You must have a qualifying high deductible health care plan (HDHCP) to qualify for this account.

  • $50 Minimum Deposit to Open
  • $50 Minimum Balance to earn interest
  • Tiered Variable Rate
  • See HSA Department for Details on Monthly Maintenance Fees
  • Unlimited check writing and debit card use 
  • Image checks returned with monthly statement
  • For more information contact us at 620-241-3732
 
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