Personal Banking

Savings Accounts

Regular Savings

Minimum balance to open - $100.00. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Minimum balance to avoid a fee - If your balance falls below $50.00 on any day in the month, your account will be subject to a $2.00 Service Charge for that month.

Fees & Charges - The following fees and charges apply to this account:

• Per item fee: $1.00 will be charged for each debit transaction in excess of 3 per calendar quarter.

Certificate of Deposit Account

• CD accounts from 90 days to 5 years
• Competitive fixed-rates
• Minimum opening deposit of $500
• Substantial penalty for early withdrawal

Individual Retirement Account

Put aside money today for your future! Depending on income, tax liability on funds may be deferred. Traditional IRA's expanded to include new benefits. We have a variety of IRA's available, including ROTH and Education IRA's Please contact bank for details.