Savings Accounts

Regular Savings

  • $50.00 minimum deposit to open account
  • A service charge of $5.00 will be imposed every month if the balance in the account falls below $50.00 any day of the cycle.
  • We use the daily balance method to calculate interest on your account.  This method applies a periodic rate to the principal in the account each day.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  Interest will be credited to your account every month.  If you close your account before interest is credited, you will receive the accrued interest.
  • Limit of six (6) preauthorized drafts or checks per monthly statement cycle

Senior Savings

  • $50.00 minimum deposit to open account
  • No minimum balance requirements
  • We use the daily balance method to calculate interest on your account.  This method applies a periodic rate to the principal in the account each day.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  Interest will be credited to your account every month.  If you close your account before interest is credited, you will receive the accrued interest.
  • Limit of six (6) preauthorized drafts or checks per monthly statement cycle

Kids Club

  • $5.00 minimum deposit to open account
  • No minimum balance requirements
  • We use the daily balance method to calculate interest on your account.  This method applies a periodic rate to the principal in the account each day.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  Interest will be credited to your account every month.  If you close your account before interest is credited, you will receive the accrued interest.
  • Limit of six (6) preauthorized drafts or checks per monthly statement cycle

Christmas Club

  • $5.00 minimum deposit to open account
  • First withdrawal is free.  Additional withdrawals prior to the maturity date will be charged a fee of $10.00 per withdrawal. 
  • We use the daily balance method to calculate interest on your account.  This method applies a periodic rate to the principal in the account each day.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  Interest will be credited to your account annually on the maturity date.  You must leave a $5.00 minimum balance in the account to receive accrued interest on the maturity date.
  • Limit of six (6) preauthorized drafts or checks per monthly statement cycle

Contact the bank for complete terms and conditions for Savings Accounts, as well as current interest rates.