Savings Accounts
Savings Accounts are offered to fulfill your savings needs:

• Account may be opened with a deposit of $25.00 If the minimum balance requirement of $500 is met, there is no quarterly maintenance fee.
• If the minimum balance requirement is not met, a maintanence fee will vary between $2-$10 depending on the lowest balance in the account during the month.
• No checks may be written against Savings Accounts, but one (1) withdrawal is allowed without charge per month. Withdrawals in excess of (1) per month will be charged $2 each.
• Pursuant to Federal regulations, only six (6) automatic transfers from your Savings Account may be made during each month.
• If you have a VISA Debit Card or a PULSE ATM Card, you can link your Savings Account to that card for the purpose of conducting transfer or withdrawal transactions at an ATM.
• A line-item statement of activities is provided quarterly.

Senior Citizen Savings Account (Age 62)

• This Senior Citizen savings account is perfect for the individual that wants to save! Available to individuals aged 62 or over.
• Account may be opened with a deposit of $25.00. There is no monthly maintenance fee regardless of the minimum or average balance.
• No checks may be written against Senior Citizens Savings Accounts, but one (1) withdrawal is allowed without charge per month. Withdrawals in excess of one (1) per month will be charged $2 each.
• Pursuant to Federal regulations, only six (6) automatic transfers from your Senior Citizen Savings Account may be made during each month.
• If you have a VISA Debit Card or a PULSE ATM Card, you can link your Senior Citizen Savings Account to that card for the purpose of conducting transfer or withdrawal transactions at an ATM.
• A line-item statement of activities is provided quarterly.

Minor Savings Account

• This Minor Savings Account is perfect for the child(ren) that want to save for future expenses!
• Account may be opened with $25.00 or more. There is no monthly maintenance fee regardless of the minimum or average balance.
• No checks may be written against Minor Savings Accounts, but one (1) withdrawal is allowed without charge per month. Withdrawals in excess of one (1) per month will be charged $2 each.
• Pursuant to Federal regulations, only six (6) automatic transfers from your Minor Savings Account may be made during each month.
• A line-item statement of activities is provided quarterly.

Regular Certificates of Deposit
We offer a variety of terms for our Regular Certificates of Deposit, ranging from one (1) month to three (3) years. Our certificates are fixed-rate time accounts. The rate at the time of account opening or renewal is fixed until maturity. The specific rates and terms of a particular certificate are disclosed at account opening and are available from any of our Retail Bankers. You may also use Bank-By-Phone for 24-hour information.

All regular Certificates of Deposit may be opened with a minimum deposit of $1,000 and earn interst on the entire balance.

Jumbo Certificates of Deposit
These certificates of deposit are perfect for accountholders that are interested in investing a large amount of money for which they will earn a high rate of interest.

A jumbo certificate may be opened with a deposit of $100,000 or more. We offer a variety of terms for our Jumbo Certificates of Deposit, ranging from one (1) month to one (1) year. Our certificates are fixed-rate time accounts.

The rate at the time of account opening or renewal is fixed until maturity. The specific rates and terms of a particular certificate are disclosed at account opening and are available from any of our Retail Bankers. You may also use Bank-By-Phone for 24 hour information.

Individual Retirement Accounts
We offer a Certificate of Deposit to accommodate specific types of Individual Retirement Accounts (IRAs). There are no monthly service charges associated with these IRA accounts. Participants may make additional contributions (minimum of $500) to their IRAs.

Holiday Club
With our Holiday Club savings plan, you can save money throughout the year for special gifts and get-togethers that make the holiday season such a memorable time of year. We'll help you set up a savings plan to meet your goals, depending on how much you want to save. When the next holiday season rolls around, you'll have the extra money you've always wanted to make the holiday a joyous occasion for you, your family and friends. Minimum to open a Holiday Club Account ranges from $5 - $100. No interest is paid on this account. Penalty for closing account before maturity is $25.00.

Please refer to our brochures and disclosures for further information on all these accounts.