SAVINGS

Statement Savings Account – Our statement savings account requires a minimum of $25.00 to open the account. In order to avoid a $2.00 monthly service charge an account balance of $200.00 must be maintained. Interest compounds daily and is paid monthly. The rate depends on the balance in the account.

Christmas Club – This offers our customers a way of saving money for the holiday season. No monthly minimum deposit or balance is required. Checks are mailed in October.

CERTIFICATE OF DEPOSIT

We offer Certificates of Deposit starting at a term of 7-31 days and as long as 60 months. A substantial penalty may be imposed for early withdrawals.

	Min. Balance to Open
7-31 Days	$1000.00
3 Months	$1000.00
6 Months	$1000.00
10 Months	$ 500.00
12 Months	$ 500.00
17 Months	$ 500.00
18 Months	$ 500.00
24 Months	$ 500.00
30 Months	$ 500.00
48 Months	$ 500.00
60 Months	$ 500.00

 Traditional and Roth IRA Accounts are available in the above terms.