Mortgage: 3.260% APR
Home Equity: 5.900% APR
Money Market: 0.750% APY
1 year step CD: 1.150% APY

 

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Savings


Select a product below:

 

Fifth Savings


Features:

      $50 minimum opening deposit
$5 monthly service charge, if balance falls below $100
Competitive interest rates

Other advantages: FREE Mobile Banking; FREE Online Banking; FREE eStatements; FREE debit card with eligible Checking Account; automatic transfers between accounts

Federal regulations limit the number of withdrawals or transfers to another account or a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, debit card or similar order to a third party to six per month.  If you routinely exceed these limits, we may choose to close your account or convert your account to one which complies with Federal Regulations.

 

 

Money Market


Features:

      $50 minimum opening deposit
$10 monthly service charge, if balance falls below $500
Competitive interest rate with a balance of $300 or more
Higher balances earn higher rates
Other advantages: FREE Mobile Banking; FREE Online Banking; FREE eStatements; FREE debit card with eligible Checking Account; automatic transfers between accounts

Federal regulations limit the number of withdrawals or transfers to another account or a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, debit card or similar order to a third party to six per month.  If you routinely exceed these limits, we may choose to close your account or convert your account to one which complies with Federal Regulations.

 

 

 

Certificates of Deposit


Features:

      $1,000 minimum opening deposit
$1,000 balance required to earn interest
Interest can be paid compounding, as a monthly dividend check, or transferred to another account
Terms range from 91 days to 7 years
Other advantages: Step-up rate available for 1 or 2 year certificates and can be adjusted once during the term, and will be effective for the remainder of the term
Fees could reduce the earnings on the account and the Annual Percentage Yield.  A penalty may be imposed for early withdrawal.

 

 

Christmas Club


Features:
$1 minimum opening deposit
No monthly service charge
Competitive interest rates
Other advantages: FREE Mobile Banking; FREE Online Banking
$25.00 per transaction fee for early withdrawal
 

 

 

Individual Retirement Account

(Traditional/Education/ROTH)

Features:

      $25 minimum opening deposit
$25 balance required to earn interest
Interest can be paid compounding, as a monthly dividend check, or transferred to another account
Terms range from 182 days to 7 years
Other advantages: Step-up rate available for 1 or 2 year certificates and can be adjusted once during the term, and will be effective for the remainder of the term; FREE eStatements
Fees could reduce the earnings on the account and the Annual Percentage Yield.  A penalty may be imposed for early withdrawal
Contributions may be tax deductible or deferred, please contact your tax advisor

 

 

Payable on Death (POD)


Features:

A Payable on Death account is an informal trust account set up with the intention that at the death of the account owner, the funds shall pass to the depositorís named beneficiaries. POD designation is available on the account types listed below:

Health Savings Accounts

Health Savings Accounts (HSAs) are tax-favored consumer savings arrangements for individuals and families covered by high deductible health insurance plans, designed to cover medical expenses incurred by the HSA owner or their dependents.

Features:

      $25 minimum opening deposit
$3 monthly service fee, if balance falls below $1,000
FREE eStatement or $3 monthly paper statement fee
$300 balance required to earn interest
Higher balances earn higher rates
Other advantages: FREE Mobile Banking; FREE Online Banking; FREE debit card; automatic transfers between accounts
Please consult a tax advisor and/or a High Deductible Health Plan (HDHP) provider for eligibility and contribution/distribution requirements
Call us for more information.