Personal Banking

• Regular Checking
• Senior Citizen Checking (Age 65 or older)
• Student Checking (Full time student)
• NOW Account
• Super NOW Account
• Regular Savings
• Youth Savings (Age 17 or younger)
• Money Market Savings
• Certificates of Deposit
• Individual Retirement Accounts

Regular Checking

• The minimum balance to open this account is $100.00.
• There is no minimum balance fee if your account does not fall below $100.00. Otherwise, a minimum balance fee of $3.00 plus 15 cents per check and ACH debit will apply.
• SHAZAM Check Cards are available to qualified applicants.

Senior Citizen Checking (Age 65 or older)

• The minimum balance to open this account is $100.00.
• There is no minimum balance fee and no charge per check or ACH debit.
• SHAZAM Check Cards are available to qualified applicants.

Student Checking (Full time student)

• The minimum balance to open this account is $100.00.
• There is no minimum balance fee and no charge per check or ACH debit.
• SHAZAM Check Cards are available to qualified applicants.

NOW Account

• The minimum balance to open this account is $900.00.
• This is an interest bearing account.
• There is no minimum balance fee if your account does not fall below $900.00 and the average daily balance does not fall below $1,600.00 during the month. Otherwise, a minimum balance fee of $5.00 plus 15 cents per check and ACH debit will apply.
• SHAZAM Check Cards are available to qualified applicants.

Super NOW Account

• The minimum balance to open this account is $2,500.00.
• This is an interest bearing account.
• There is no minimum balance fee if your average daily balance does not fall below $2,500.00. Otherwise a minimum balance fee of $5.00 plus 15 cents per check and ACH debit will apply.
• SHAZAM Check Cards are available to qualified applicants.

Regular Savings

• The minimum balance to open this account is $100.00
• There is no minimum balance fee if your account does not fall below $100.00. Otherwise a minimum balance fee of $1.00 per month will apply.
• Interest is compounded semi-annually.
• You will receive quarterly statements.

Youth Savings (Age 17 or younger)

• The minimum balance to open this account is $50.00.
• Interest is compounded semi-annually.
• You will receive quarterly statements.

Money Market Savings

• The minimum balance to open this account is $2,500.00.
• This is a tiered account and the interest rate will depend on your balance.
• There is no minimum balance fee if your average daily balance does not fall below $2,500.00. Otherwise a minimum balance fee of $10.00 per month will apply.
• Interest is compounded monthly.
• You will receive monthly statements.

Certificates of Deposit

• The minimum balance to open this account is $1,000.00.
• We offer a variety of maturities including 182 days and 12, 24, 36, 48 & 60 months.
• There may be a penalty for early withdrawal.
• Our rates are competitive.

Individual Retirement Accounts

• We offer both Roth and Traditional IRAs which are insured by the FDIC (Federal Deposit Insurance Corporation) separately from other deposits.
• We offer a variety of maturities including 182 days and 12, 24, 36, 48 & 60 months.
• Our rates are competitive.

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