Financial Services:

Checking Accounts

Savings Accounts

Certificates of Deposit (CDs)

Individual Retirement Accounts (IRA)

Loans

Real Estate

Business

Personal

Mini Application

Debit/Check Cards

Check Printing

Other Services

Fee Schedule

Grant Application (PDF)

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record all information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Checking Accounts

No Minimum Balance Checking

There is no service charge, minimum balance or maintenance fee on this account after your $100 opening deposit. Checks WILL NOT be returned to you in your statement, but copies will be available upon request at our customary photocopy and research charge. Duplicate checks are recommended.

Regular Checking

Unlimited check writing. No service charge with a minimum balance of only $100. Otherwise, a $5.00 flat service charge will be assessed. There is no per check fee, so feel free to write as many checks as you wish.

Senior Citizen Checking

No minimum balance required for customers 62 years or older. Write as many checks as you wish. Have fun, travel, enjoy life and never worry about a service charge. Just be sure to give us a winter address if you head south before the snow begins to fall. If you qualify for this account, please E-mail or call our Customer Service Department.

Student Checking & Non-profit Organization Checking

Unlimited check writing. No service charge with a minimum balance of only $100. Otherwise, you will be assessed a $3.00 flat fee. There is no per check fee and students will like the convenience of our free ATM or VISA Check Card.

Business Checking

There is no service charge or per check fee with a $250 minimum balance. For account balances below the minimum, a maintenance fee of $4.00 and $.15 per check is assessed. Accounts that require excessive teller and check processing time may require a higher minimum balance.

Interest Bearing Checking Accounts

NOW Checking

Earn 1.06% APY, currently, on your checking and have no service charge when you maintain $1,000 minimum balance. Interest is calculated daily and paid monthly. There will be a service charge of $4.00 plus $.15 per check only if your balance drops below $1,000.

SuperCheck Checking

A variable market rate of interest is earned and paid every Monday. Unlimited check writing and withdrawals make this a very flexible account with excellent earning potential. There is a $2,500 minimum balance required to avoid a service charge, otherwise, a $4.00 maintenance fee and $.15 per check is assessed. Your yield is based on your balance. Each tier of $10,000, $50,000, and $100,000 earns a higher tier rate. See Current SuperCheck Rates.

Insured Investment Account

This is a Money Market Deposit Account which pays a high market variable rate based on your balance. See Current IIA Rates. You are limited to three checks or up to six withdrawals monthly. Interest is earned and paid every Monday. There is a $2,500 minimum balance requirement, otherwise a $10 service charge is assessed. Excess withdrawals cost $1 each. As with Supercheck Checking, balances of $10,000, $50,000, and $100,000 earn a higher tier rate.