Savings & Certificate of Deposits

SavingsRates Comparison Chart Apply for an account

Statement Savings

A basic statement savings account that earns interest.

  • Minimum balance to open - $50
  • Minimum balance to avoid fees - $0
  • Minimum balance to earn interest - $50
  • Quarterly statement options – Electronic or paper
  • Account can be used as overdraft protection

Smart Saver

A restricted savings account that pays a higher rate of interest.

  • Minimum balance to open - $100
  • Minimum balance to avoid fees - $100
  • Monthly Maintenance Fee - $7
  • Minimum balance to earn interest - $1
  • Statement options – Electronic or paper
  • Limit to one (1) withdrawal per calendar quarter
  • A fee will be assessed for each withdrawal in excess of one (1) per quarter

Young Saver

A restricted savings for our younger savers age 18 and under. Receive exclusive Young Saver Newsletter each quarter.

  • Minimum balance to open  - $1
  • Minimum balance to avoid fees - $0
  • Minimum balance to earn interest - $1
  • Statement options – Electronic or paper
  • Limited to one (1) withdrawal per calendar quarter

Christmas Club

A savings account you can use to save money for the holiday! Help with savings by setting up an automatic transfer to the account.

  • Minimum balance to open  - $1
  • Minimum balance to avoid fees - $0
  • Minimum balance to earn interest - $1
  • Statement options – Electronic or paper
  • Club checks are mailed or directly deposited to another account in October

Vacation Club

A savings account you can use to save money for the vacation! Help with savings by setting up an automatic transfer to the account.

  • Minimum balance to open  - $1
  • Minimum balance to avoid fees - $0
  • Minimum balance to earn interest - $1
  • Statement options – Electronic or paper
  • Club disbursement is flexible

Certificates of Deposit (CDs)

Earn more interest with one of our Certificates of Deposit. Rates can be set and locked in accordance with the amount and term of the deposit.

View our interest rates

  • Minimum Opening - $1,000
  • Interest payment methods include – add to CD; deposit to an account; receive a check

Terms

  • Terms range from 31 days to 5 years
  • 7-day grace period at maturity for changes

Additional Requirements

  • Funds in a CD that are withdrawn are subject to a penalty depending on the term of the CD.
  • At maturity, there is a 7-day grace period during which funds can be taken out or added without penalty.

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