• Statement Savings
• Money Market Investment Account
• Security Plus Investment Account
• Certificates of Deposit
• Individual Retirement Accounts

Statement Savings¹
Link your Statement Savings account to your Personal, Regular, NOW, Senior, or GOLD checking account and avoid monthly maintenance fees for your checking account.

• FREE Online Banking
• FREE ATM transactions at any ATM terminal
• Additionally, we will reimburse this account $1.50 for the first four (4) surcharges per month from the owner of the ATM terminal.
• Ten (10) FREE ANYTIME telephone access calls per monthly statement period.
• Monthly maintenance fee of $3 is avoided if you maintain a minimum daily balance of $100.
• Excessive withdrawal fee of $1.50 each after two (2) free per monthly statement period, including ATM and ACH transactions.
• $100 Minimum balance to open

Minors (age 21 and under who use their own taxpayer identification number) are exempt from maintenance fee and minimum balance requirements upon request.

Money Market Investment Account¹
Link your Money Market Investment Account to your GOLD checking account and avoid monthly maintenance fees to your GOLD checking account.

• FREE Online Banking
• FREE ATM transactions at any ATM terminal
• Additionally, we will reimburse this account $1.50 for the first four (4) surcharges per month from the owner of the ATM terminal.
• Ten (10) FREE ANYTIME telephone access calls per monthly statement period.
• Monthly maintenance fee of $7 is avoided if you maintain a minimum daily balance of $1,000.
• Excessive withdrawal fee of $5.00 each¹
• $1,000 Minimum balance to open

Security Plus Investment Account¹
This savings account provides competitive interest rates for our customers maintaining higher balances with no penalty for early withdrawal.

• FREE Online Banking
• Ten (10) FREE ANYTIME telephone access calls per monthly statement period.
• Monthly maintenance fee of $25 is avoided if you maintain a minimum daily balance of $10,000.
• Excessive withdrawal fee of $7.00 each¹
• $25,000 Minimum balance to open

Certificates of Deposit
We offer Certificates of Deposit with exceptional fixed rates and guaranteed return with terms from 3 months to 60 months. All of our CD’s are FDIC insured. For our current rates call or visit any one of our convenient locations.

Individual Retirement Accounts
If you meet certain income and other requirements, IRAs give you the opportunity to set aside money each year for your retirement with tax advantages. We offer Traditional, Roth and SEP Individual Retirement Accounts with a guaranteed return and FDIC insured. You may from time to time make additions to the balance in your account in any amount not less than $50. Any such additions shall not extend the maturity date of the account or any portion of the account.

¹Note: Federal regulations permit the depositor to make no more than six (6) preauthorized, automatic, computer or telephone transfers per monthly statement period, no more than three (3) of which may be by check, draft or similar order payable to third parties (where available). We reserve the right to convert the account to a checking account for continued violation of the transaction limitations. There are no regulatory restrictions on withdrawals for payments directly to the depositor when made by mail, messenger, in person or at an automated teller machine (ATM). We do not permit point-of-sale transactions on these accounts. Please refer to the individual account sections for additional limitations.