Personal Savings

This account is designed for anyone who would like to start a savings plan but has a limited amount to invest initially.

• $50.00 minimum required to open
• Tiered interest rates based on your balance if balance is $50 or over
• Six free preauthorized debits per month
• Three free in-bank withdrawals per quarter
• Easy access to your savings with no penalties for withdrawals other than a $5.00 excess withdrawal fee if your withdrawals exceed three per quarter or $7.00 for each excess preauthorized debit per month
• If balance drops below $50 during any quarter, there will be a $5 service charge
• Quarterly statements
• Monthly statements if you have EFT transactions

• Age 18 and under
• $5.00 minimum required to open
• Converts to a personal savings at age 19
• Six free preauthorized debits per month
• Three free in-bank withdrawals per quarter
• Easy access to your savings with no penalties for withdrawals other than a $5.00 excess withdrawal fee if your withdrawals exceed three per quarter or $7.00 for each excess preauthorized debit per month Interest paid on balance in account
• Statements mailed quarterly
• Monthly statements if you have EFT transactions

• $10.00 minimum to open
• $15.00 closing withdrawal fee if closed before end of 52 weeks, no interest paid and account may not be reopened for remainder of the year
• Interest paid on balance in account
• Checks mailed annually