Savings / Money Market

To view a simple Checking and Savings Comparison Chart

Saving for college or for that “rainy day”? These accounts are a great way to get started.

Personal Savings

  • Minimum Opening Deposit – $100.00
  • Minimum Monthly Balance to Avoid Monthly Maintenance Fee – $100.00 daily balance.
  • Monthly Service Charge if Below Minimum – $4.00 quarterly service charge if the balance in the account falls below $100.00 any day of the quarter, $1.00/withdrawal after 6 per quarter.
  • Check Writing – No

Personal & Investment Savings

  • Minimum Opening Deposit – None
  • Minimum Balance to Avoid Monthly Maintenance Fee – None
  • Monthly Service Charge if Below Minimum – No Service charge. A $25.00 transfer is required for deposit each month.
  • Check Writing – N/A
  • Withdrawals – Because this account is designed to help you save money, withdrawals are restricted to August each year. Withdrawals are allowed at any time for the purchase of a home or for medical or educational expenses.

Youth Savings

  • Minimum Opening Deposit – None
  • Minimum Balance to Avoid Monthly Maintance Fee – None
  • Monthly Service Charge if Below Minimum – No service charge. An excess transaction fee of $1.00 per withdrawal after 6 (per quarter).
  • Check Writing – N/A

Christmas & Vacation Club

  • Minimum Opening Deposit – None
  • Minimum Balance to Avoid Monthly Maintenance Fee – None
  • Monthly Service Charge if Below Minimum – No Maintenance Fee
  • Check Writing – N/A

Personal Money Market

  • Minimum Opening Deposit – $1,000.00
  • Minimum Balance to Avoid Monthly Maintenance Fee – $1,000.00
  • Monthly Service Charge if Below Minimum – $10.00 monthly statement cycle fee will be imposed if balance falls below $1,000.00
  • Check Writing – 6 checks per month

Money Market and eXtra Account (MMAX)

  • Minimum Opening Deposit – $1,000.00
  • Minimum Balance to Avoid Monthly Maintenance Fee – $10,000.00
  • Monthly Service Charge if Below Minimum – $12.50
  • Check Writing – 6 checks per month
  • Additional Benefits – Earn more interest with your higher balances. Higher balances earn a higher rate of interest; tiered interest rate structure.

Personal Savings*

[Interest compounded and paid quarterly]

Personal & Investment Savings

[Rate tied to a one year CD, higher interest rate than savings]

Youth Savings

[Teaches kids the benefit of saving]

Christmas & Vacation Club

[Higher interest rate, money available at time of vacation & Christmas]

Personal Money Market*

[Check writing ability, higher interest rate]

Money Market and eXtra Account (MMAX)*

[Check writing ability, higher interest rate]

IRA/Qualified Retirement Plan Money Market

[Lower minimum balance than regular CD]

*ATM’s available with checking account.