Products & Services

Savings Accounts

Passbook Savings

It’s our basic account and YES you do have a PASSBOOK! You put money in. You can take money out. You earn interest. Your balance grows. Minimum opening deposit – varies.

Statement Savings

Another basic account. You put money in. You can take money out. You earn Interest. Your balance grows. Minimum opening deposit- varies ATM/Debit Cards available.

Money Market

Get a great money market rate while keeping access to your cash. Make unlimited withdrawals at our office and write up to three checks per month at no charge. Earn a variable interest rate that increases as your balance increases. Minimum opening deposit –$2,500 ATM/Debit Cards available.

Christmas Club

Why not have a Merry Green Christmas! Make regular weekly payments to your account throughout the year, so you can do all of your Christmas shopping with the cash. Pay as you shop, no bills later!

 

Certificates of Deposit (CDs)

Electronic Deposit Insurance Estimator (EDIE)

You pick the term. You earn a fixed rate of interest, compounded quarterly, based on the amount you deposit and the term you have selected. You always know that your money is earning and how much the investment is worth. No risk. Or if you choose, you can receive your interest by check, monthly or quarterly. Minimum opening deposit � varies.

Interest on Checking

Care Free Checking No fancy checking. You get a competitive monthly interest rate, full featured checking, and lots of ways to avoid monthly fees. ATM/Debit Cards available On-Line Banking featuring Bill Pay Minimum opening deposit- varies Senior VIP Checking 50 or older. If you use Direct Deposit, monthly fees will be waived. ATM/Debit Cards available On-Line Banking featuring Bill Pay Minimum opening deposit- varies.

 

IRAs

Traditional IRAs

Pay no income tax on the contributions or the earnings until you withdraw funds. Individuals who qualify may contribute up to the IRS Limits or 100% of earned income, whichever is less. Individuals age 50 or older will benefit from even higher limits, allowing those closest to retirement to save even more.

Roth IRAs

A great way to diversify your portfolio. A Roth IRA is similar to a traditional IRA, but you deposit after-tax funds, generally distributions are tax-free, and eligibility requirements have been expanded to allow greater funding. Tax-free earnings make a Roth IRA attractive.

Health Savings Account

A medical savings account available to individuals enrolled in a high-deductible health plan (HDHP). Funds roll over year to year if not spent. ATM/Debit Card used to access account.