Deposit Products

Checking

Hometown Checking

Non-Interest Bearing Checking Account

No service charge
Minimum amount to open account: $100
Customer is responsible for purchasing their own checks

NOW Checking

Interest Bearing Checking Account

Minimum amount to open account: $750
No service charge with required minimum balance of $750
$10 monthly service charge, plus $.15/per item if balance falls below $750

Super NOW Checking

Interest Bearing Checking Account

Minimum amount to open account: $2,500
No service charge with required minimum balance of $2,500
$10 monthly service charge, plus $.15/per item if balance falls below $2,500

Please contact us to find out more about these accounts.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited into a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account [IOLTA]) no longer will receive unlimited insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/expiration.html.

Savings

Passbook Savings Account

Traditional, Interest Bearing Savings

Minimum amount to open account: $50
$5.00 service fee, for the quarter, if balance drops below $50
Quarterly statements, unless combined with a checking account, then statements will be sent out monthly

Money Market Account

Higher Balance, Interest Bearing Savings

Tiered Savings Account
Minimum amount to open account: $2,500
$10/service fee, for the statement cycle, if balance drops below $2,500 vs. (highlighted / quarter)

Please contact us to find out more about these accounts.

HSA - Accounts

Interest Bearing Checking Account

Minimum amount to open account: None
Minimum balance - None

Certificates of Deposit & IRA Accounts

Certificates of Deposit and IRA Accounts offer you an investment with the dual benefits of interest and the security of FDIC Insurance. Please contact us for our current rates and terms and to find out more about these accounts.

CD's

Interest Bearing Savings

6 month—48 month
Minimum amount to open account: $1,000
Penalty for early withdrawal 3-6 month’s interest, depending on the term

IRA's

Interest Bearing Savings

24, 36, 48 month
Minimum amount to open account: $1,000
Penalty for early withdrawal 3-6 month’s interest, depending on the term
$25 Annual maintenance fee