Savings, Money Market & CDs

Basic Savings Account

Features and Benefits:

  • Minimum of $20 to open
  • Minimum of $20 to earn Annual Percentage Yield
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • No monthly service fee
  • Unlimited “over the counter” withdrawals

Power Savings

Features and Benefits:

  • Minimum of $25 to open
  • Minimum of $250 to earn Annual Percentage Yield
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • Must maintain a minimum balance of $250 to avoid a $10 monthly fee
  • Unlimited “over the counter” withdrawals
  • Interest is tiered with higher balances earning higher rates

Kid’s Count Savings

Features and Benefits:

  • Minimum of $5 to open
  • No minimum balance to earn Annual Percentage Yield
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • No monthly service fee
  • Convenient way for children to save money and earn interest

Classic Money Market

Features and Benefits:

  • Minimum of $100 to open
  • No minimum balance to earn Annual Percentage Yield
  • Must maintain a minimum balance of $100 to avoid a $10 monthly fee
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • Interest is tiered with higher balances earning higher rates
  • Convenient access to your funds at the branch, online, or by check.
  • Money Market accounts are limited to six electronic or third party transfers per statement cycle*
  • There is a $15 fee for excessive electronic or third party transfers
  • Unlimited in person withdrawals
  • Monthly Statement

Select Money Market

Features and Benefits:

  • Minimum of $100 to open
  • No minimum balance to earn Annual Percentage Yield
  • Must maintain a minimum balance of $2,500 to avoid a $10 monthly fee
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • Interest is tiered with higher balances earning higher rates
  • Convenient access to your funds at the branch, online, or by check.
  • Money market accounts are limited to six electronic or third party transfers per statement cycle*
  • There is a $15 fee for excessive electronic or third party transfers
  • Unlimited in person withdrawals
  • Monthly Statement

6 – 15 Month CD

Features and Benefits:

  • Minimum of $500 to open
  • Minimum of $500 to earn Annual Percentage Yield
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • Choice of term
  • Fixed interest rate account
  • A penalty may be imposed for early withdrawal

18 Month Add-On CD

  • Minimum of $100 to open
  • Minimum of $100 to earn Annual Percentage Yield
  • Additional deposits must be a minimum of $10
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • Fixed interest rate account
  • A penalty may be imposed for early withdrawal

24 Month Penalty Free CD

Features and Benefits:

  • Minimum of $500 to open
  • Minimum of $500 to earn Annual Percentage Yield
  • One penalty free withdrawal per year
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • Fixed interest rate account

30-60 Month CD

Features and Benefits:

  • Minimum of $500 to open
  • Minimum of $500 to earn Annual Percentage Yield
  • Interest is compounded daily and credited monthly
  • Fees may reduce earnings
  • Choice of term
  • Fixed interest rate account
  • A penalty may be imposed for early withdrawal

Individual Retirement Accounts (IRA) CDs

CD terms above may be used as Individual Retirement Accounts

* Federal Banking Regulations restrict you to a combination of six (6) of the following types of transactions per statement cycle: checks, debit cards, or similar orders made payable to third parties, online banking transfers, pre-authorized debits and transfers to another account with us. Over the counter withdrawals are unlimited. Transaction limits apply. Excessive transactions over these limits may result in account closure.

 

 

Deposit Rates
(Annual Percentage Yield)
Personal Savings Accounts
Basic Savings.05%
Power Savings.05 to .25
Kids Count Savings.05
Personal Money Markets
Classic Money Market**.05 to .40
Select Money Market.05 to .40
Personal Checking Accounts
Free Checkingn/a
Student Checkingn/a
Advantage Checking.02
Platinum Checking.05 to .20
Senior Checking.10
Premium Power Package Account.75
Certificate of Deposit / IRA CDs
6 Month CD.50
12 Month CD.70
15 Month CD.75
18 Month- Add On CD***.80
24 Month CD Penalty Free1.00
30 Month CD1.10
36 Month CD1.25
48 Month CD1.35
60 Month CD1.60
Statement IRA****.30
Special 13 Month CD*****2.05
Special 25 Month CD*****2.25
****A penalty may be imposed for early withdrawal on individual retirement accounts
*****Limited Time Offer. The 13-Month Special CD will automatically renew for a 12 month term from the initial and each succeeding maturity date at the interest rate then being offered by us for your type of account. The 25-Month Special CD will automatically renew for a 24 month term from the initial and each succeeding maturity date at the interest rate then being offered by us for your type of account.