Personal Banking Accounts

Checking and Investment Accounts¹

Standard Checking
Traditional Checking
Preferred Checking
Classic Money Market
Traditional Savings Account
Certificates of Deposit
Individual Retirement Accounts (IRA)

CHECKING ACCOUNTS

Standard Checking

$100.00 minimum balance to open
$5.00 monthly service charge
No per check charge

Traditional Checking

$500.00 minimum balance to open
$7.00 monthly service charge
$.15 posted debit item
$500.00 minimum balance to avoid charge

Preferred Checking

$1,000.00 minimum balance to open
Interest bearing account
$10.00 monthly service charge
$.15 posted debit item
$1,000.00 minimum balance to avoid charge

INVESTMENT ACCOUNTS

Classic Money Market

$1,500.00 minimum balance to open
Interest bearing account
$15.00 monthly service charge
$1,500.00 minimum balance to avoid charge
This is a limited withdrawal account with penalty for excessive withdrawals

Traditional Savings Account

$300.00 balance to open
Interest bearing account
$10.00 quarterly service charge
$300.00 minimum balance to avoid service charge
This is a limited withdrawal account with penalty for excessive withdrawals
$2.00 excess debit fee (more than 6 per quarter)

Certificates of Deposit

$1,000.00 balance to open
May be purchased for terms from 30 days to 60 months
Contact your personal banker to discuss current interest rates

Individual Retirement Accounts (IRA)

$1,000.00 balance to open
May be purchased for terms from 6 months to 60 months
Contact your personal banker to discuss current interest rates

LOANS AND LINES OF CREDIT²

Home Equity Credit Lines:

Home improvement, vacation, wedding, or college expenses; we can provide a convenient home equity credit line to meet these needs.

Residential Interim Construction:

If your dream is to have a home built, we can provide the financing to accomplish it.

Residential Lot Loans:

Found the perfect lot, but not yet ready to build? See us for financing.

Vehicle Financing:

Whether purchasing a new or used vehicle, we can provide simple and affordable financing.

Mortgages:

Whether you are buying a new home or refinancing your existing home, we can help.

¹ Please refer to the account terms, conditions, and agreement for a complete description of these accounts.
² Credit approval required