Savings & Certificates of Deposit (CDs)

Achieve your financial goals with our savings accounts!

Regular Savings

A savings account designed for those looking for a way to begin a savings program.

  • Minimum Opening Deposit: $100.00
  • Monthly Fees: $1.00 Fee is waived if the account balance is kept above $100.00 during statement cycle
  • A service fee of $1 will be imposed each statement cycle in which the account balance falls below $100 on any day of the statement cycle.
  • Fixed Interest Rate Account. Interest is compounded daily and credit to your account monthly. If the rate should decrease, you will receive a thirty (30) day advance written notice prior to the rate change.

First Chance Savings

A savings account designed specifically for our younger customers.

First Chance Saving is available to those 16 years of age and younger. At age 17, all First Chance Accounts will transfer to a Regular Savings account, unless otherwise specified.

  • Minimum Opening Balance: $15
  • A fixed rate account. Interest is compounded daily and credited to the account monthly. If the rate should decrease you will receive a 30-day written notice prior to the rate change.
  • There is no restriction on the number or type of withdrawals.
  • Receive a First Chance piggy bank and a First Chance Savings Book.

Christmas Savings Club

A Christmas Savings Club account gives you the chance to put money away now and earn a high interest rate to use at Christmas. To help you save, there are restrictions on withdrawals before November.

  • Minimum Opening Deposit: $1.00 to open
  • No monthly fees
  • Can be opened at anytime
  • Automatic Transfers Available
  • A check with your balance plus interest will be issue to you in early November – just in time for Christmas shopping!

Vacation Savings Club

Are you dreaming of a fabulous vacation, but never seem to have the funds? Well join the club…the Vacation Savings Club. You can deposit money into your Vacation Savings Club account, while you earn a high interest rate. To help you save, there are restrictions on withdrawals before May.

  • Minimum Opening Deposit: $1.00 to open
  • No monthly fees
  • Automatic Sweeps Available
  • A check with your balance plus interest will be issue to you at the end of April – just in time for summer!

Certificates of Deposit (CDs)

Another way to earn interest in a low-risk manner.

Certificates of deposit, known as CDs, are bank deposit products that hold your funds for a set period of time. In exchange, the bank pays you a fixed annual percentage yield, or APY, making CDs a safe, reliable way to grow your money.

  • $1,000.00 Minimum to Open
  • No monthly charge
  • Multiple term options available
  • Earns Interest
  • FDIC Insured
  • View account with online banking

CD Specials

Term Rate APY
91 Days 4.40% 4.47% APY
7 Months 4.25% 4.29% APY
9 Months 4.00% 4.02% APY
14 Months 3.50% 3.56% APY
20 Months 3.25% 3.30% APY

View All Rates

Documents Needed to Open a Personal Account

  • Driver's License, State ID, or Passport (must be unexpired, government issued, and contain a photo)
  • Social security number
  • If the address on the photo ID does not match your current address, please bring proof of current address such as a Utility bill, R.E Tax form, or other document with the correct address.

Savings & Retirement Calculators

Please note that all financial calculators require a Java enabled browser. For best results use the most recent version of your Internet browser. Windows users may need to install Java - which can be downloaded for free from java.com.

  • College Savings - Use this calculator to help develop or fine tune your education savings plan.
  • Savings Calculator - Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
  • Retirement Planner - Quickly determine if your retirement plan is on track and learn how to keep it there.

Important Notice

Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.