• Interest Bearing.

• Minimum Opening Amount - $100.00.

• Service Charge - $5.00 every statement cycle if daily balance falls below $100.00 any day of the statement cycle.

• Interest compounded quarterly and credited into the account quarterly.

• Transaction Limits Apply - You may make 6 withdrawals from your account per statement cycle. You may only make 6 preauthorized transfers from your account every quarter.

• Interest Bearing.

• No minimum opening amount required.

• Interest compounded annually and credited into the account annually.

• If account is closed before maturity, an early withdrawal penalty of at least $15 will be assessed, and the loss of any accrued interest. Partial withdrawals are not permitted.

• Interest Bearing.

• Minimum Opening Amount - $5,000.00.

• Service Charge - $15.00 monthly if daily balance falls below $5,000.00 any day of the statement cycle.

• Interest compounded monthly and credited into the account monthly.

• Transaction Limits Apply - These types of withdrawal transactions for savings and money market accounts are limited to 6 per statement cycle:

  • Online transfers, from either within the same institution or to a different one.

  • Transfers initiated over the phone.

  • Overdraft transfers to checking.

  • Transactions made by check or debit card.

  • Automatic or preauthorized transfers, such as bill payments or recurring withdrawals.

Why Open a CD?
A Certificate of Deposit works like a standard deposit account, but you agree to keep your funds in place for a set term and earn a fixed interest rate. CDs let you:

• Earn predictable, fixed returns over time

• Save without the risks of market fluctuation

• Withdraw funds penalty-free after your term ends

• Secure your investment with FDIC insurance up to $250,000 per depositor, per insured bank, for each account ownership category.

Is a CD Right for You?
If you’re saving for a major purchase—or simply want a low-risk way to grow your money—CDs often offer higher rates than traditional savings accounts and discourage impulse spending through early-withdrawal penalties.

Traditional IRAs

Work towards a secure future with a tax-advantaged retirement plan designed to help your assets grow over time.

• Strategic Tax Advantages – Benefit from tax-deferred growth. Depending on your income and participation in employer-sponsored plans, your contributions may also be tax-deductible.

• FDIC Insurance – Your deposits are protected up to $250,000 per depositor, per insured bank, for each account ownership category.

• Consistent Growth – Establish a disciplined foundation for long-term financial stability.

Wherever life takes you, we’re here to help you move forward. Our team of local bankers is here to guide you through every step of the loan process — offering quick service and personal support along the way.

Loan Options:

• Auto Loans

• Installment Loans

• Construction Loans

• Home Portfolio Loans