When you need financial advice and products, you can count on us. We have friendly, dedicated associates and offer outstanding deposit and loan products. Our digital services will make managing your banking relationship simple. We will take the time to understand your situation and help you select the right financial products and services for your unique situation.
PERSONAL BANKING
Personal Checking
Whatever life stage you’re in - from student to senior - and whatever your financial goals are, we have a checking account for you.
We have a personal checking account to meet your individual needs and make managing your money easy. Which checking account is right for you?
Regular Checking | Convenience Checking | Senior Checking (62 or older) | Student Checking | Now Account | Money Market* | Premier Money Market* | |
---|---|---|---|---|---|---|---|
Minimum opening deposit | $100 | $100 | $100 | $25 | $1,000 | $2,500 | $0 |
Unlimited check writing | ✔ | ✔ | ✔ | ✔ | ✔ | ||
Free VISA® Debit Card | ✔ | ✔ | ✔ | ✔ | ✔ | ||
Free Digital Banking | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Free Bill Pay | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
Free E-Statements | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ $1.00 for paper statements |
Free Money Management | ✔ | ✔ | ✔ | ✔ | ✔ | ||
Tiered Interest Rates | ✔ | ✔ | ✔ | ||||
Requirements | Must maintain a minimum balance of $500 or $1,000 average daily balance during the statement cycle or a $5 monthly service charge will be applied | Must have a direct deposit, 10 point-of-sale debit transactions and maintain a $100 minimum balance during the statement cycle or a $7.50 monthly service charge will be applied. | Requires direct deposit of monthly benefit check | Must maintain a balance of $50 during the statement cycle between the ages of 0 to 24 or a balance of $500 between the ages of 25 to 999 or a $5 service charge will be applied | Must maintain a minimum balance of $1,000 or $2,000 average daily balance during the statement cycle or a $7.50 service charge will be applied | Must maintain a minimum balance of $2,500 during the statement cycle or a $10 service charge will be applied | Must maintain a minimum balance of $10,000 during the statement cycle or a $15 service charge will be applied |
*Transfers limited to 6 per statement cycle. Transfers include preauthorized, automatic, telephone transfer, check, draft or similar order to third parties
- $100 minimum opening deposit
- Unlimited check writing
- Free VISA® Debit Card
- Free Digital Banking
- Free Bill Pay
- Free E-Statements
- Free Money Management
- Must maintain a minimum balance of $500 or $1,000 average daily balance during the statement cycle or a $5 monthly service charge will be applied
- Unlimited check writing
- Free VISA® Debit Card
- Free Digital Banking
- Free Bill Pay
- E-Statements Required
- Free Money Management
- $100 minimum opening deposit
- Must have a direct deposit, 10 point-of-sale debit transactions and maintain a $100 minimum balance during the statement cycle or a $7.50 monthly service charge will be applied.
- $100 minimum opening deposit
- Unlimited check writing
- Free VISA® Debit Card
- Free Digital Banking
- Free Bill Pay
- Free E-Statements
- Free Money Management
- No service charge
- Requires direct deposit of monthly benefit check
- $25 minimum opening deposit
- Unlimited check writing
- Free VISA® Debit Card
- Free Digital Banking
- Free Bill Pay
- Free E-Statements
- Free Money Management
- Must maintain a balance of $50 during the statement cycle between the ages of 0 to 24 or a balance of $500 between the ages of 25 to 999 or a $5 service charge will be applied

- $1,000 minimum opening deposit
- Unlimited check writing
- Free Visa® Debit Card
- Free Digital Banking
- Free Bill Pay
- Free E-Statements
- Free Money Management
- Must maintain a minimum balance of $1,000 or $2,000 average daily balance during the statement cycle or a $7.50 service charge will be applied
- Tiered interest rates
- $2,500 minimum opening deposit
- Transfers limited to 6 per statement cycle. Transfers include preauthorized, automatic, telephone transfer, check, draft or similar order to third parties
- Free Digital Banking
- Free Bill Pay
- Free E-Statements
- Must maintain a minimum balance of $2,500 during the statement cycle or a $10 service charge will be applied
- Tiered interest rates
- $0 minimum opening deposit
- Transfers limited to 6 per statement cycle. $2 fee per debit transaction in excess of 6 during statement cycle. Transfers include preauthorized, automatic, telephone transfer, check, draft or similar order to third parties
- Free Digital Banking
- Free Bill Pay
- Free E-Statements – $1.00 for paper statements
- Must maintain a minimum balance of $10,000 during the statement cycle or a $15 service charge will be applied
- Tiered interest rates
Set Up Direct Deposit or Automatic Payments
Set Up Transfers
Your Money Is Safe
Electronic Deposit Insurance Estimator https://edie.fdic.gov/
PERSONAL BANKING
Personal Savings
You have financial goals and we have savings plans to help you get there. Our savings accounts make it easy to build the future of your dreams.
We offer a range of savings options tailored to meet both your short- and long-term needs. Achieve your savings goals with one of our savings accounts.
- $100 minimum opening deposit
- 6 free withdrawals per month – $1 fee per debit transaction (withdrawal, automatic transfer, or payment) in excess of 6 during a monthly cycle
- $2 monthly service charge unless minimum balance of $100 is maintained
- Variable interest rates
- May receive monthly statement when combined with checking account statement
- $25 minimum opening deposit
- Incentive rate on balances up to $20,000 and regular savings rate on balances in excess of $20,000
- Age requirement for rate: 0 – 24 years – qualifies for incentive rate and 25 and up – switches to regular savings rate
- 6 free withdrawals per month – $1 fee per debit transaction (withdrawal, automatic transfer, or payment) in excess of 6 during a monthly cycle
- Age 0 to 24 a $2 fee will be charged if a minimum balance of $25 is not maintained during the statement cycle Age 25 and up a $2 fee will be charged if a minimum balance of $100 is not maintained during the statement cycle
- Variable interest rates
- May receive monthly statement when combined with checking account statement
- $1 minimum opening deposit
- $5,000 maximum deposit per individual
- No withdrawals permitted prior to maturity
- Interest rate determined annually
- Club begins in mid-October (January 31 – last day to open)
- Maturity date – mid-October of each year (exact day to be announced)
Set Up Direct Deposit or Automatic Payments
Your Money Is Safe
Electronic Deposit Insurance Estimator https://edie.fdic.gov/
PERSONAL BANKING
Swipe2Save
We are excited to inform you about Swipe2Save. Our new Round-Up Savings Program. It’s free and easy to use!
How does it work? Swipe2Save is an automatic way to save more money every time you use your debit card. We will “round-up” your debit card purchase to the nearest whole dollar amount and put the “rounded-up” amount into your savings account. Once enrolled, we will add up all the “rounded-up” amounts and, within one business day, transfer the lump sum from your checking into your savings account. You will be able to track all your round-up amounts inside of your Digital Banking on a daily basis and on your monthly statement.
What do you need? To take advantage of our free Round-Up Savings Program, you will need to have a checking account, savings account, debit card and to complete a Round-Up Savings Enrollment Form. Don’t have an account or debit card? Stop by one of our banking centers to open today.
How do I enroll? Fill out the enrollment form and return it to your local banking center in person, by mail, or by secure email. If you try it and don’t like it, no problem, you can cancel by signing a cancellation form.
Why should I enroll? It’s a free, easy and convenient way to save…it just makes CENTS! No usage qualifications. No strings attached. Everyone qualifies.
What are you waiting for? Enroll today!
Click here to fill out the Swipe2Save Round-Up Savings Enrollment Form

PERSONAL BANKING
Certificate of Deposit
Certificate of Deposits are a low-risk savings solution with a fixed interest rate. Earn better rates for saving longer. Just pick the term that best fits your current financial situation, and lock it down. No matter what the market does, your returns keep coming in, with no surprises or fluctuations. All CDs require a minimum investment of $2,500 with maturity terms ranging from seven day to five years. A penalty may be imposed for early withdrawals.
PERSONAL BANKING
Individual Retirement Account
Prepare for the retirement of your dreams.
- Traditional IRA Accounts may be fully deductible, depending on income and plan participation. All dividends earned are tax deferred. Minimum of $500.00.
- Roth IRA contribution earnings are tax free in most cases and are non-deductible. Minimum of $500.00.
PERSONAL BANKING
Rates
Type | APY |
---|---|
NOW (Min. $1,000)* | .050 |
NOW (Min. $5,000)* | .050 |
NOW (Min. $25,000)* | .050 |
NOW (Min. $50,000)* | .050 |
Money Market (Min. $2,500)* | .100 |
Money Market (Min. $25,000)* | .100 |
Money Market (Min. $50,000)* | .100 |
Premier Money Market ($ 0 - 10,000)* | .100 |
Premier Money Market ($10,000 - Max)* | 3.01 |
Savings (Min. $.01)* 6. | .100 |
Savings (Min. $10,000)* 5. | .100 |
Student First Savings ($0 -20,000)* 5. | 3.01 |
Student First Savings ($20,000.01 - Max)* 5. | .100 |
Christmas Club 3. | 1.950 |
7-31 Day Certificate of Deposit** 4. | .0551 |
91 Day Certificate of Deposit** 5. | .954 |
182 Day Certificate of Deposit** 5. | 1.055 |
1 Year Certificate of Deposit** 5. | 1.510 |
18 Month Certificate of Deposit** 5. | 1.663 |
24 Month Certificate of Deposit** 5. | 1.968 |
30 Month Certificate of Deposit** 5. | 2.120 |
36 Month Certificate of Deposit** 5. | 2.273 |
48 Month Certificate of Deposit** 5. | 2.427 |
60 Month Certificate of Deposit** 5. | 2.529 |
182 Day IRA*** 6. | 1.053 |
1 Year IRA*** 6. | 1.506 |
18 Month IRA*** 6. | 1.657 |
24 Month IRA*** 6. | 1.960 |
30 Month IRA*** 6. | 2.111 |
36 Month IRA*** 6. | 2.263 |
48 Month IRA*** 6. | 2.414 |
60 Month IRA*** 6. | 2.516 |
*Interest rates and Annual Percentage Yield’s may change after account opening
*Fees could reduce earnings on the account
**CD Minimums = $2,500 **Substantial penalty for early withdrawal may apply
***IRA Minimums = $500.00 ***Substantial penalty for early withdrawal may apply
1. Minimum to open is $100.00
2. Minimum to open is $25.00
3. Minimum to open is $1.00
4. Rate quoted with interest compounding monthly
5. Rate quoted with interest compounding quarterly
6. Rate quoted with interest compounding semi-annual
BUSINESS CHECKING AND SAVINGS
Business Banking
We have the banking, borrowing and investing options to help your business succeed.