Products

Regular Checking Account

is a non-interest bearing transaction account with unlimited transactions with no monthly service charges. Monthly statements, with images, are furnished. The minimum opening deposit is $100.00.

Super NOW Account

is an interest bearing transaction account with interest credited monthly to the account. Interest is calculated on average daily balance. Monthly image statements are furnished. The minimum opening deposit is $2,500.00. If the average daily balance falls below $2,500.00, there will be a $10.00 per statement service charge plus $.20 per debit fee.

Passbook Savings Account

is an interest bearing, non-transactional deposit account. Semi-annually statements are furnished and interest is credited to the account semi-annually. This account requires a minimum opening deposit of $100.00. A service charge of $1.00 per month is imposed if the balance falls below $100.00 anytime during the month. After the first 4 withdrawals or debits in a month, there is a $1.00 per withdrawal or debit fee. Service charges are posted to the account monthly. Interest rates are subject to change at the bank’s discretion.

Money Market Account

is an interest bearing, limited transaction savings account. Interest is calculated on average daily balance and credited to the account monthly. Monthly image statements are furnished. The minimum opening deposit is $2,500.00. If the average daily balance falls below $2,500.00, there will be a $10.00 per statement service charge plus $.20 per debit fee. Transaction activity is subject to the limitations of Regulation D. This account is limited to 6 debits per month.  If there are more than 6 debits in a month, there will be a $10.00 per debit fee. Interest rates are subject to change at the bank’s discretion.

Christmas Club Account

is a non-interest bearing savings account in which a customer makes 49 weekly payments of either $5.00 or $10.00. If all 49 payments are made, the bank will make the final payment. Christmas Club Accounts are paid in October.

Certificates of Deposit

are fixed rate, fixed term, interest bearing time deposit accounts. Minimum deposit is $1,000.00. Substantial penalty for early withdrawal. Interest rates and annual percentage yields are determined on a periodic basis, at the discretion of the bank.

Individual Retirement Accounts

are interest bearing time deposit accounts for retirement purposes. Minimum deposit is $500.00. Federal tax regulations require penalty for early withdrawal. See your tax advisor for limitations and tax deductibility.

Residential Mortgage Loans

are made to finance the purchase, construction, or refinancing of personal residence.

Home Equity Loans

allow you to put the equity in your primary residence to use. Contact one of our Loan Officers for information and rates.

Agricultural/Farm Loans

are offered to finance agriculture production, equipment, and farmland.

Consumer Loans

are available to finance the purchase of automobiles, motorcycles, or other personal needs. Various collateral options are available including the item being purchased or a deposit account collateralization.

Commercial Loans

are available to start-up or established businesses to finance operating costs, equipment or inventory purchases, or expansion opportunities.