• Regular Savings Accounts
• Money Market Daily Savings Accounts
• Christmas Club
• Certificate of Deposit Account
• Individual Retirement Plan (IRA)
• Fees & Charges
• Financial Calculators

REGULAR SAVINGS ACCOUNTS

• $100.00 initial deposit
• Pays competitive interest
• Interest compounded daily and paid quarterly
• Three withdrawals per quarter; $7.50 charge per additional withdrawal
• Quarterly statement for active accounts
• Tiered interest rates with no interest paid under $10.00

• $2,500.00 initial deposit
• Competitive simple interest compounded daily and paid monthly
• Three withdrawals per month; $7.50 charge per additional withdrawal
• No check writing privileges
• Monthly statement
• Tiered interest rates with no interest paid under $2,500.00

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• $10.00 initial deposit
• Interest compounded daily and paid at maturity
• Customer receives check in early November - just in time for Christmas

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• $500.00 initial deposit
• Certificates may be structured from 7 days to 60 months to fit
  individual needs
• Competitive rates
• Simple interest paid monthly, quarterly, semi-annually or at maturity
• Certificates can be automatically renewed
• Federal regulations require penalty for early withdrawal
• Jumbo certificate of deposit rates quoted daily by savings department

• $100.00 initial deposit
• No annual fee
• Simple interest compounded quarterly & credited to account quarterly
• Withdrawals permitted at age 59 1/2 (prior to 59 1/2 1 month penalty)
• Age 70 ½  withdrawals are required

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