Savings Account

• Both Passbook and statement accounts available
  
• Minimum $ 200.00 Opening Deposit
  
• No Minimum Balance Fee when maintaining a $ 500.00 balance
  
• Interest Bearing Account with daily compounding
  

Children's  Passbook Savings

• Available for individuals under the age of 19
  
• Minimum $ 100.00 Opening Deposit
  
• No Minimum Balance
  
• Interest Bearing Account with daily compounding
  

Christmas Club Savings

• Minimum $ 5.00 Opening Deposit
  
• Interest Bearing Account
  
• Deposits can be made throughout the year.
  
• Funds are disbursed in October of each year
  

Money Market Account

• Minimum $ 2,500.00 Opening Deposit
  
• No Monthly Fee when maintaining a $ 2,500.00 average monthly balance
  
• Monthly Statements
  
• Convenience of Check Writing Features
  

Certificates of  Deposit

• Terms range from 3 months to 61 months
  
• Opening Minimum Deposits range from $ 500.00 to $ 5,000.00
  
• Interest may be paid by check, transferred or credited back depending on the type of account and balance options.
  
• Interest Rates vary according to investment amounts and terms.
  
• Maturity and renewal notices mailed to the customer.
  

Individual Retirement Accounts

• Terms range from 11 months to 60 months
  
• Excellent products to save for your retirement
  
• Make deposits throughout the term of the account.
  
• Accounts may receive deposits from other retirement vehicles such as a
  401-K plan.
  
• Both Traditional and ROTH IRA accounts available.

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