Savings/Membership Accounts

• only $25 minimum deposit - Primary Share
• Auxillary Savings Accounts

Checking Accounts

• no monthly fee
• no minimum balance
• no per check fees
• earn dividends on balances of $1000 and greater

Internet Home Banking and Bill Payer

• Free on-line bill payer
• Real-time Internet Banking via a Secure, Private Connection 
• Access detailed account information
• Transfer funds among your savings, checking and loan accounts
• Free copies of your cleared checks

eStatements

• Free on-line access to your statements
• Safe, secure & convenient

VISA/Debit Cards 

• VISA Debit Card Rewards Program
• earn valuable points for every purchase
• points are redeemable for store gift cards, airline tickets, cruises and more.

Audio Response - Access account information

• transfer money
• verify checks that have cleared, etc.
• 24 hours a day, seven days a week

Holiday and Vacation Savings Accounts

• Vacation Account Payout May 1
• Holiday Account Payout October 1

Money Market Account

• Completely Liquid
• $2,500 minimum balance
• Six tiers--designed to pay high dividends

Johnny Appleseed and Youth Accounts

• Savings accounts for children under 16 years of age
• Accounts earn interest with low minimum balance of only $25

Share Certificates

• $500 minimum balance
• Terms of 3 months through 5 years

30-Day Certificate

• $10,000 minimum
• High rate of Return

Certiflex

• 7 month certificate allows unlimited deposits and one withdrawal per month
• $500 minimum withdrawal

Jumbo Share Certificate

• $100,000 minimum deposit
• term of one year to five years
• Annual percentage rate is .15 basis points more than posted rate

Health Savings Accounts 

• For High-deductible Insurance Plans
• HSA Visa Debit Card

Individual Retirement Accounts (IRA)
Traditional, Roth and Coverdell Education Savings Accounts

• IRA Savings Accounts
• IRA Certificates

 Other Services

• Direct Deposit
• Payroll Deduction
• Safe Deposit Boxes
• Drive up ATM
• 2 - Drive thru teller lanes
• Money Orders
• U.S. Savings Bonds
• Notary Public Service
• Wire Transfer Service
• Signature Guarantee Service