Personal Savings, Money Markets, Certificates of Deposits, and Individual Retirement Accounts

Savings accounts offer you a great way to save for your families' future. Maybe you have already begun your planning by opening a Savings or Money Market account. Now you have access to a variety of savings instruments that are designed to help you meet your financial goals and they are FDIC insured.

If you are looking for a simple, convenient way to save...
Our FlexSaver Savings account is hassle free and convenient. It allows you to deposit money any time by ATM, phone, online banking transfers, or at any affiliated banking location (transaction limits apply to view disclosure click here). Plus, your record keeping has just been made easier through Online Banking, EZACCESS TELEPHONE BANKING at 1-800-952-1529, and our Image Advantage Statements.

If you want to earn higher interest rates...
We offer a variety of accounts, including the High Yield Money Market Account, which has the potential to pay you more. As your balance grows, so does your interest rate. This is achieved through the flexibility of the tiered rating structure of this very popular account. Plus, you can access this account through the ATM, Online Banking, EZACCESS TELEPHONE BANKING, and our Image Advantage Statements (transaction limits apply, to view disclosure, click here).

Are you looking for a safe longer-term savings tool?
Join thousands of account holders who have opened Certificates of Deposit Accounts and Individual Retirement Accounts (IRAs). You will find a wide range of options to help you achieve your financial success.

Just click on the following to view further information concerning Certificates of Deposits and IRAs.


Your Personal Guide To Money Market and Savings Accounts

Account Title Balance Requirements Monthly Charges Interest Information Other Important Information
Money Market Account


Click Here to Open Account


View disclosure

 $2,500 minimum deposit to open the account. Minimum balance requirement is $2,500. $0 if minimum balance is maintained. If balance falls below $2,500, a $15 fee applies. Tiered Interest Bearing Account. Click here for rate information.
  • Limited to six pre-authorized transfers, automatic transfers, or telephone transfers,
  • Unlimited withdrawals when made in person or at an ATM,
  • $5 charge in excess of six, and
  • There will be a $25 fee if account is closed within 180 days of opening date.
High Yield Money Market Account


Click Here to Open Account


View disclosure

 $2,500 minimum opening balance. Minimum balance requirement of $2,500 $0 if minimum balance is maintained. If balance falls below $2,500, a $15 fee applies. Premium interest paid on balances of $10,000 or more. Tiered Interest Bearing Account. Click here for rates.
  • Limited to six preauthorized transfers, automatic transfers, or telephone transfers,
  • Unlimited withdrawals when made in person or at an ATM,
  • $5 charge in excess of six, and
  • There will be a $25 fee if account is closed within 180 days of opening date.
FlexSaver Savings Account


Click Here to Open Account


View disclosure

 $100 to open. No minimum balance requirement. Monthly fee is not applied. $1.00 fee if balance falls below $100 during the month. Tiered Interest Bearing Account.Click here for rates.
  • Interest will be compounded and credited quarterly, Minimum balance of $25 in the account each day to obtain the disclosed APY,
  • $5 charge in excess of six, and
  • There will be a $25 fee if account is closed within 180 days of opening date.


Your Personal Guide To Certificates of Deposits and Individual Retirement Accounts

Account Title Term Opening Balance Minimum Balance to Obtain APY APY Interest Rate Auto-Renewal Option Penalty for Early Withdrawal
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 7-31 Day CD $20,000 $20,000

Available

CDs less than 14-day terms or less are not available for auto-renewal.

 If you withdraw any of the principal before the maturity date, we may impose a penalty of the greater of 7 days interest or the interest earned on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 32-90 Day CD $2,500 $2,500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 91-Day CD $2,500 $2,500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 182-Day CD $2,500 $2,500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 12-Month CD $500 $500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 18-Month CD $500 $500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 24-Month CD $500 $500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 30-Month CD $500 $500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 36-Month CD $500 $500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 48-Month CD $500 $500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 60-Month CD $500 $500

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
Certificate of Deposit and IRA


Click Here to Open Account


View disclosure

 10-Month Step CD $1,500 $1,500

Available Early withdrawal of money before the maturity date, three months interest is penalized on the amount withdrawn, except withdrawals made at the 10-month intervals.
Variable IRA


Click Here to Open Account


View disclosure

 N/A $100 $100

Available Early withdrawal of money before the maturity date, one month's interest is penalized on the amount withdrawn.
  • Withdrawals are limited by IRA Regulations before age 59 1/2 or disabled.
  • Deposit limitations on IRAs are $2,000 per year, while SEP IRA limitations are 15% of your adjusted gross income.