Personal Savings

The current standard maximum deposit insurance amount is $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category.

Consumers and bankers can find additional official information regarding FDIC’s deposit insurance coverage through the use of the FDIC’s Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDIC’s website "Are My Deposits Insured?"


Statement Accounts

It’s a traditional savings plan. This account can also be set up for Overdraft Protection at no additional cost to protect your checking account(s) from overdrafts. Depositors are not permitted to make more than six (6) transfers and withdrawals per calendar month or statement cycle (at least a four-week period) from a savings deposit account (statement/passbook savings) by check, debit card, or similar order payable to third parties. $25.00 minimum required to open the account . A $5.00 minimum balance must be maintained to avoid a $1.00 quarterly service charge.

Certificate of Deposit

A $500.00 minimum is required to purchase a Certificate of Deposit (CD). Maturity terms range from one month to five years. Interest may be compounded monthly or quarterly. You may also choose to be paid by check or have your interest deposited directly into your checking or savings account. Special rates also available. Rates are subject to change weekly. Call for more details and current rates.

Individual Retirement Account

If you haven't given much thought to IRAs in recent years, think about this: now IRAs mean a lot more than just saving for retirement. It's flexibility for first-time home purchases, education expenses, and a number of choices. Today you have unprecedented tax-free choices and more freedom to deduct your contributions. That means you can get what you're saving for faster, easier, and smarter than you could before. For more details on how an IRA can help you to a secure financial future, please give us a call.

Money Market Accounts

A great way to save with the convenience of a checking account! A $2,500.00 minimum deposit is required to open this account and earn the Money Market rate of interest. If the account falls below $2,500.00, you will earn NOW Account interest rate. You must maintain a $500.00 minimum balance to avoid a monthly service charge. Check writing and transaction limitations apply. Contact one of our friendly, knowledgeable staff to inquire about current rates and additional details.

Christmas Club

Save for the holidays with a Christmas Club account. Make payments throughout the year and receive your check at the end of October. A Christmas Club is also a great way to save for your real estate and personal property taxes.


Piggy bank representing a savings account