Personal Banking

PERSONAL INTEREST CHECKING: Convenient and easy to manage, our personal checking account is FREE. You will earn interest by maintaining a $2,500 collected balance.

PERSONAL SAVINGS:
Our statement savings account is perfect for the small saver as well as the investor, paying competitive interest rates on tiers which have been established by the bank. Open the account with $100, and maintain an average collected balance of $250 or more for the calendar quarter to avoid the $9.00 maintenance fee. You may make up to twelve (12) withdrawals from your savings account per quarter at no charge. You will be charged $0.50 per withdrawal exceeding the limit.

Individuals through age nineteen (19) or over sixty-two (62) will be exempt from the maintenance fee.

INSURED MONEY MARKET ACCOUNT (IMMA): Enjoy the liquidity of a savings account with very competitive yields on balances of $2,500 or more. This account is tiered, so larger investments will benefit from even higher returns. Account holders may have up to six (6) pre-authorized, automatic or telephone transfers per statement cycle, with a limit of three (3) of those by check. Accounts that exceed this limit will be assessed a $5.00 per item excess transaction fee. If your average collected balance falls below $2,500 for the month, a $10.00 maintenance fee will be assessed.

CERTIFICATES OF DEPOSIT (CD's): We offer a variety of CD investment yields and terms, starting at just $1,000 for ninety (90) days. Our CD's are tiered to ensure the optimum return for your investment - up to 60 months. And, with our CD Upgrade Voucher (limited time offer; restrictions apply), you are sure to win if rates go up. you can "cash in" your voucher and upgrade the rate on your CD for the remainder of the original term! As an option to the upgrade voucher, you may utilize a withdrawal voucher instead. Ask for details.

Please refer to account disclosures for additional requirements.