Money Market Account

Interest is paid at current market rates on the average available balance. Rate is tiered, based on balance. Check writing is limited to three checks per statement cycle. There is a charge of $5.00 per check written in excess of three per statement cycle. No monthly maintenance fee as long as you maintain a minimum balance of $1000.00. If the account balance fall below $1000.00 at any time during the statement cycle, the monthly maintenance fee is $8.00. For current interest rate information and other applicable charges, refer to rates & fees.

Passbook Savings

Interest is paid on the average daily balance. Rate is tiered, based on the balance. Statements are sent quarterly. You are allowed three withdrawals per statement cycle. Additional withdrawals will be $1.00 per withdrawal. $3.00 per quarter maintenance fee if daily balance falls below $100.00. For current interest rate information and other applicable charges, refer to rates & fees.

Christmas Club Savings

Be prepared when the time comes to start your Christmas shopping. Make deposits (maximum of 50) for any amount $1.00 and up. Interest is paid on the daily balance. Last deposit is accepted the second full week in October, with Christmas Club Checks mailed by the first of November. Deposits are generally made weekly. However, you may make deposits at any time. You may not make withdrawals from this account until maturity. For current interest rate information, refer to rates & fees.

Individual Retirement Accounts

An individual retirement account is designed to help you save for your retirement while offering tax relief on your current earned income. You can choose fixed or floating rate accounts, with interest rates tiered, based on balance. Taxes on the interest your account earns may be deferred until you begin making withdrawals. You should consult your tax advisor for the deductibility of deposited funds. For current interest rate information, refer to rates & fees.

Certificates of Deposit

We offer Certificates of Deposit at various terms providing you stable and secure investment returns. The rate earned will depend on the term chosen and the amount of the deposit. Certificates of Deposit are subject to early withdrawal penalties. For current interest rate information, see rates & fees.