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.

Young Adult Checking Account

is an interest bearing transaction account for customers between the ages of 16 and 22. The minimum opening deposit is $50.00. This account features a special rate that only applies to balances $5,000.00 or below. Balances over $5,000.00 will reflect the current Super Now interest rate. When the owner turns 23 years of age, no earnings will be accrued. Interest will be compounded and credited monthly. Interest rates are subject to change at the bank’s discretion. Monthly statements with image are furnished.

Super NOW Account

is an interest bearing transaction account with interest credited monthly to the account. The minimum opening deposit is $2,500.00. Interest is calculated on average daily balance. If the average daily balance falls below $2,500.00, there will be a $5.00 per statement service charge. Interest rates are subject to change at the bank’s discretion. Monthly statements with images are furnished.

Regular Savings Account

is an interest bearing, non-transactional savings account. 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 6 withdrawals or debits in a month, there is a $1.00 per withdrawal or debit fee. Service charges are posted to the account monthly. Statements are furnished and interest is credited to the account semi-annually. Interest rate are subject to change at the bank’s discretion.

Little Chief Savings Account

is a special rate, interest bearing, non-transactional account for minors up to the age 18. The joint owner of the account must have a deposit or loan relationship with the bank. Only one account per minor social security number is allowed. The minimum opening deposit is $10.00. No more than $900.00 may be deposited into this account in a calendar year. Interest will be compounded and credited quarterly. Interest rates are subject to change at the bank’s discretion.

Money Market Account

is an interest bearing, limited transaction savings account. The minimum opening deposit is $2,500.00. If the average daily balance falls below $2,500.00, there will be a $5.00 per statement charge. This account is limited to 6 debits per month. If there are more than 6 debits, there will be a $1.00 per debit fee. Interest is calculated on average daily balance and credited to the account monthly. Monthly statements with images are furnished. Interest rates are subject to change at the bank’s discretion.

Christmas Club Account

is a premium interest bearing savings account for persons 18 years and older. Minimum opening deposit is $10.00, with a maximum of $6,000.00 deposited within the year. Withdrawals are not permitted. One account per customer. Customer must have an existing deposit or loan relationship with the bank. New clubs start November 1st and are paid out the following year on October 31st.

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.