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Commercial Account Analysis 

Business Account
You must deposit $100 to open this account. A monthly maintenance fee of $5 will be charged each statement cycle. A checks paid fee of $.10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). A deposit fee of $.25 will be charged per deposit. An FDIC insurance fee of $.10 will be charged per $1,000 collected balance. A checks deposited not on us fee of $.01 will be charged per check.

Consumer Account Analysis 

Regular Checking Account
Minimum deposit to open this account is $100. A service charge fee of $7.75 will be imposed every statement cycle if the balance in the account falls below $750 any day of the cycle. A checks written fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 20 during a statement cycle.
Regular Club Account
Minimum deposit to open this account is $100. A fee of $10 will be charged each statement cycle. Personalized wallet checks are free. There is no charge for money orders, cashier checks or travelers checks. Travel discounts available. $15,000 Accidental Death Insurance Benefits.
Personal Club Account
Minimum deposit to open this account is $100. A fee of $11 will be charged each statement cycle. Personalized wallet checks are free. There is no charge for money orders, cashiers checks or travelers checks. Travelers discounts available. $25,000 accidental death insurance benefits.
Family Club Account
Minimum deposit to open this account is $100. A fee of $12 will be charged each statement cycle. Personalized wallet checks are free. There is no charge for money orders, cashiers checks or travelers checks. Travel discounts available. $35,000 accidental death insurance benefits.
Savings Non- Interest Account
Minimum deposit to open account is $100. A service charge fee of $2 will be imposed every statement cycle if the balance in the account falls below $500 any day of the cycle. An excess withdrawals fee of $3 will be charged for each debit transaction (withdrawals, check paid, automatic transfer, or payment out of this account) in excess of two during a statement cycle. 
Savings Regular Account
You will be paid the disclosed interest rate for at least 30 calendar days. We will never decrease this rate unless we first give you at least 30 days notice in writing. Interest will be compounded every day. Interest will be credited to your account every quarter. You must deposit $200 to open this account. A service charge fee of $2 will be imposed every statement cycle if the balance in the account falls below $500 any day of the cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non cash items (for example, checks). Transfers from a savings regular account to another account or to third parties by preauthorized, automatic, or telephone transfer limited to 6 per statement cycle with no transfers by checks, draft, debit card, or similar order to third parties. An excess withdrawals fee of $3 will be charged for each debit transaction (withdrawals, check paid, automatic transfer, or payment out of this account) in excess of two during a statement cycle.
Regular NOW Account
You will be paid the disclosed interest rate for at least 30 calendar days. We will never decrease this rate unless we give you at least 30 days notice in writing. Interest will be compounded every month. Interest will be credited to your account every month. You must deposit $200 to open this account. A service charge fee of $9 will be imposed every statement cycle if the balance in the account falls below $2,000 any day of the cycle. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for  each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest begins to accrue on the business day you deposit non cash items (for example, checks). 
NOW Club Account
You will be paid the disclosed interest rate for at least 30 calendar days. We will never decrease this rate unless we give you at least 30 days notice in writing. Interest will be compounded every month. Interest will be credited to your account every month. You must deposit $200 to open this account. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for  each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest begins to accrue on the business day you deposit non cash items (for example, checks). A bank club fee of $10 will be charged each statement cycle.
NOW Personal Club Account
You will be paid the disclosed interest rate for at least 30 calendar days. We will never decrease this rate unless we give you at least 30 days notice in writing. Interest will be compounded every month. Interest will be credited to your account every month. You must deposit $200 to open this account. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for  each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest begins to accrue on the business day you deposit non cash items (for example, checks). A bank club fee of $11 will be charged each statement cycle.
NOW Family Club
You will be paid the disclosed interest rate for at least 30 calendar days. We will never decrease this rate unless we give you at least 30 days notice in writing. Interest will be compounded every month. Interest will be credited to your account every month. You must deposit $200 to open this account. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for  each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest begins to accrue on the business day you deposit non cash items (for example, checks). A bank club fee of $12 will be charged each statement cycle.
Money Market Account
You will be paid the disclosed interest rate for at least 30 calendar days. We will never decrease this rate unless we give you at least 30 days notice in writing. Interest will be compounded every month. Interest will be credited to your account every month. You must deposit $200 to open this account. A service charge fee of $9 will be imposed every statement cycle if the balance in the account falls below $2,000 any day of the cycle. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for  each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Interest begins to accrue on the business day you deposit non cash items (for example, checks). Transfers from a money market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.
Christmas Club Account
We do not require a minimum balance upon opening the account, however, a minimum of $20 or more per month will be debited from your account and deposited into the account. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will begin to accrue when funds are deposited into the account. Interest will be compounded at maturity. Interest will be credited to your account at maturity. If you close your account before interest is credited, you will not receive the accrued interest. You will be paid the disclosed interest rate until first maturity. We will never decrease this rate unless we first give you at least 30 days notice. You may not make withdrawals of principal or interest from your account before maturity. A fee of $15 may be imposed for early withdrawal. 

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Certificates of Deposit

Term Minimum Deposit
31 Day $1,000
91 Day $1,000
182 Day $1,000
18 Month $1,000
30 Month $1,000
1 Year $1,000
2 Year $1,000
3 Year $1,000
4 Year $1,000
5 Year $1,000

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Individual Retirement Accounts

Term
1 Year
2 Year
3 Year
4 Year
5 Year

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Loans

  • Home Loans
  • Home Equity Lines of Credit
  • Commercial Loans
  • Personal Loans
  • Auto Loans
  • Farm Loans
  • Equipment Loans
  • Real Estate Loans
  • Construction Loans

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