Statement Savings

• Minimum $100 to open
• Minimum balance of $100
• $3.00 monthly service charge (if below the minimum balance)
• No monthly service charge for senior citizens (age 62 & over) and for minors
• Minimum balance to open account for minors is $25
• Certain restrictions apply

Certificates of Deposit

• Minimum $500 to open all regular certificates
• Maturity terms available:
  • 3 months
  • 6 months
  • 12 months
  • 18 months
  • 24 months
  • 36 months
  • 60 months
• Come see us for special maturities and terms
• Automatically renewable
• Interest compounding available
• Early withdrawal penalties only on the amount withdrawn

Dream Maker Certificate of Deposit

• Minimum $25 to open
• Twelve-month maturity
• Allows unlimited add‑on deposits of $10 or more

Individual Retirement Accounts (IRA)

• Regular IRA
  Minimum $100 to open 18-month variable rate term
• Roth IRA
  Minimum $100 to open 12-month variable rate term
• Education IRA
  Minimum $25 to open 12-month variable rate term
• Fixed Rate IRA available
  Minimum $2,000 to open