Personal Savings Accounts

Regular Savings Account

Regulation DD (Truth in Savings)
This account bears interest-interest rate and annual percentage yield are included in the rate chart. Your interest rate and annual percentage yield may change at our discretion at any time without limitation. You must maintain a minimum monthly balance of $500.00 to avoid a monthly maintenance fee of $5.00. Withdrawals in excess of 3 per month will be charged $2.00 each./UNLIMITED Deposits.  Fees and charges will be subtracted monthly. Limit of 3 phone or automatic transfers per month. No charge for debits when account minimum balance is $1,000.00 or more. Interest is compounded and credited semi-annually, June 30th and December 31st. Statements are semi-annual. Read the “Common Terms” (Disclosure) Information concerning interest calculation, account closing, minimum balance and interest accrued which apply to this account. “Other Account Information & Terms” (Disclosure) will apply. See Deposit Rates Sheet for current savings rates.

Online Banking/Billpayer Disclosure


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Youth Savings Account

Regulation DD (Truth in Savings)
Account owner must be under the age of 18 years or under the age of 23 years AND a full time High School, College, or Technical School student, who have notified the Bank of their birth date and social security number to be eligible for this account.  On the student's 23rd Birthday, this account will automatically be changed to a Regular Savings Account.  Interest is compounded and paid annually on December 31st.  Annual Statements. Youth Savings is the same as Regular Savings EXCEPT there is NO maintenance charge and you must have $10.00 to open the account, all other terms apply.

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