Personal Accounts

Regular Checking

Our Regular Checking Account may seem basic, but you have a lot of options. It is great for anyone that requires an account without activity restrictions while maintaining lower balances.

Account Features:

  • Low minimum opening deposit
  • Unlimited check writing and deposit privileges
  • Debit Card access
  • Online Banking
  • Online Bill Pay
  • Optional Electronic Statements and/or combined statements
  • Overdraft Protection to or from another account

NOW Account

Our NOW Account offers unlimited check writing privileges. This interest bearing account is perfect for someone who requires an account without activity restrictions, and is able to maintain higher balances.

Account Features:

  • Low minimum opening deposit
  • Unlimited check writing and deposit privileges
  • Debit Card access
  • Online Banking
  • Online Bill Pay
  • Optional Electronic Statements and/or combined statements
  • Overdraft Protection to or from another account

Money Market Savings

Our Money Market Savings account offers the benefits of an interest bearing savings account along with the convenience of a checking account. This account also rewards you when you maintain higher balances – the higher your balance, the higher the interest rate.

Account Features:

  • Low minimum opening deposit
  • Unlimited deposits
  • Money Market Checks
  • Debit Card
  • Online Banking
  • Optional Electronic Statements and/or combined statements
  • Overdraft Protection to or from another account

Regular Savings

Our Regular Savings Account allows you to earn interest while building your nest egg. You may also use this account to protect another account from experiencing an overdraft occurrence. Plus, you can keep track of all your activity utilizing a combined statement.

Account Features:

  • Low minimum opening deposit
  • Unlimited deposits
  • Online Banking
  • Optional Electronic Statements and/or combined statements
  • Overdraft Protection for another account

Seedling Account

Our Seedling Savings Account pays a premium interest rate up to the first $10,000 per child. This account utilizes the Uniform Transfer to Minors Act (UTMA) ownership which uses the minor’s social security number with an adult guardian as the signing authority.

Account Features:

  • Premium Interest Rate
  • No minimum opening deposit
  • No Service charge
  • Unlimited deposits
  • Online Banking
  • Optional Electronic Statements and/or combined statements

Christmas Club

Our Christmas Club Account is an interest bearing account that helps you save via automatic transfers from another checking or savings account. You set your savings goal and we will help you structure a plan to meet your needs. The balance is paid out in November, just in time to get your shopping done (or pay property taxes, or insurance, etc.).

Account Features:

  • Low minimum opening deposit
  • Unlimited deposits
  • Online Banking
  • Optional Electronic Statements and/or combined statements

Certificates of Deposit

Are you looking for a safe investment at a higher rate of return? Our Certificates of Deposit offer a safe investment with higher earnings.

Account Features:

  • Flexible maturities available from 7 days to 36 months
  • Interest may be paid out to another account at our bank monthly or at maturity
  • Principal may be withdrawn penalty free at maturity
  • Online Banking

Individual Retirement Account– IRA

What better to invest in than you? We offer a variety of investment vehicles to help you earn and earmark funds for retirement savings or higher education at competitive rates, all of which are FDIC insured.

  • Traditional IRA: Allows qualified individuals to direct pretax income, up to specific annual limits, toward investments that can grow tax-deferred. Contributions may be tax-deductible depending on the taxpayer’s income, tax-filing status and other factors.
  • Roth IRA: Similar to the Traditional IRA, but contributions are not tax-deductible and qualified distributions are tax free.
  • SIMPLE IRA: A Savings Investment Match Plan for Employees (SIMPLE) IRA is a retirement plan that may be established by employers, including self-employed individuals. The employer is allowed a tax deduction for contributions made to the SIMPLE. The employer makes either matching or non-elective contributions to each eligible employee's SIMPLE IRA and employees may make salary deferral contributions.
  • SEP IRA: A Simplified Employee Pension (SEP) IRA is a retirement plan established by employers or self-employed individuals. Employers may make tax-deductible contributions on behalf of eligible employees, including the business owner. The employer is allowed a tax deduction for plan contributions, which are made to each eligible employee's SEP IRA on a discretionary basis.
  • Educational IRA: A savings plan for higher education. Parents and guardians are allowed to make nondeductible contributions to an Educational IRA for a child under the age of 18. The Educational IRA is also referred to as the Coverdell ESA. The funds can be withdrawn tax free when they are needed for educational purposes.

Account Features:

  • Earn higher interest
  • Flexible maturities available from 12 to 36 months

CDARS®

Smart investing: Enjoy $50 million in FDIC Insurance where the full value of your money can support lending opportunities in your local community while working with a bank you know and trust. How does it work? We are part of a special network. When you place a large deposit with us, we place your funds into CDs issued by other banks in the network – in increments of less than the standard FDIC insurance maximum – so that both principal and interest are eligible for complete FDIC protection. As a result, you can receive coverage from many banks while working with just one.

Account Features:

  • One Bank: Access $50 million in FDIC insurance coverage by working with just us.
  • One Rate: Earn one rate for each CD maturity and enjoy the option of reinvesting funds through a simple process.
  • One Statement: Receive one easy-to-read statement from your bank summarizing all of your CD holdings.