Personal Savings

Consumer Savings

Our regular savings account. Available to anyone.

• Rate information
  Your interest rate and annual percentage yield may change. See current rate information.

• Frequency of rate change
  We may change the interest rate on your account at any time.

• Determination of rate
  At our discretion, we may change the interest rate on your account.

• Compounding and crediting frequency
  Interest will be compounded monthly. Interest will be credited to your account every quarter.

• Effect of closing an account
  If you close your account before interest is credited, you will not receive the accrued interest.

• Minimum balance to open the account
  You must deposit $100.00 to open the account.

• Minimum balance to obtain the annual percentage yield disclosed
  There is no minimum balance required to accrue interest on the account.

• Daily balance computation method
  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

• Accrual of interest on non-cash deposits
  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

• Transaction limitations
  Withdrawals or transfers from a savings account made by means of a preauthorized, automatic, telephone, or internet transfer are limited to six transactions per calendar month. An excessive transaction fee of $5.00 will be charged for each transaction in excess of the above limitations. In addition, we reserve the right to refuse transfers that would exceed the limitations or to close your account if you regularly exceed transaction limitations.

See Common Features to All Accounts

Certificates of Deposit & IRAs

Please contact us or visit one of our locations for our current Certificate of Deposit and IRA product offerings.