Personal Checking

SEE Current RATES

 

We offer a variety of checking accounts to suit your needs. Our friendly and knowledgeable new accounts staff will be happy to assist you in finding the checking account that best suits your needs.

NOW Account

  • Interest Bearing Account

With a Now account, you earn interest on all money in your checking account. Interest is paid at a variable interest rate based on the collected balance in the account.  There is no service charge if a $10,000 balance is maintained in other deposit accounts or certificates of deposit. Automatic overdraft protection is available with this type of account, subject to approval by a loan officer. 

Minimum BalanceMonthly ChargeInterest Paid
$0 - $749 $5 Variable Rate
$750 & Above No Charge Variable Rate

Money Market Account

  • Interest Bearing Account

This account pays attractive interest rates with a variable interest rate based on the collected balance in the account.  Plus, the account earns increased interest rates with balances of $25,000, $100,000 and above. There is a limit of six withdrawals either by check or automatic withdrawal per statement cycle. However, over-the-counter withdrawals are unlimited with this type of account.

Minimum BalanceMonthly ChargeInterest Paid
$0 - $4,999 $5 Variable Rate
$5,000 & Above No Charge Variable Rate

Free Checking Account

There is no minimum balance requirement with a Free Checking account and there is no limit on the number of checks that can be written. A Free Checking account is available for any personal or joint account, as well as any club or organization.  There is no overdraft protection available with this type of account. 

Smart Saver Account

The Smart Saver is a low-cost account with a flexible minimum balance. There is no service charge if a balance of $400 is maintained in this account, other deposit accounts or certificates of deposit. There is also no service charge for depositors 62 years of age or older upon notification. Smart Saver accounts include 25 checks per month. Additional checks are $0.15 each unless a minimum balance of $400 is maintained in this account or other deposit accounts.  Automatic overdraft protection is available with this type of account, subject to approval by a loan officer.

Minimum BalanceMonthly Charge
$400 & Above $0.00
$300 - $399 $2.00
$200 - $299 $3.00
$100 - $199 $4.00
$0 - $99 $5.00

Classic Value Club Account

Club benefits include accidental death and dismemberment insurance coverage, free personalized club checks, a free notary service, and a 50% discount on a small safe deposit box. Automatic overdraft protection is available with this type of account. Classic Value Club accounts include 25 free checks per month. Additional checks are $.15 each unless a minimum balance of $400 is maintained.  Each of the three family plans includes $2,500 coverage for children.  Automatic overdraft protection is available with this type of account, subject to approval by a loan officer.

Accidental Death & Dismemberment Insurance
LevelMonthly Charge
Basic I - $10,000 $6.50
Basic II - $20,000 $7.50
Family I - $30,000 $8.50
Family II - $40,000 $9.50
Family III - $50,000 $10.50

Now/Classic Value Club Account

  • Interest Bearing Account

This type of account combines the benefits of the Classic Value Club with the interest-earning component of a Now account. You can pick which insurance level is best for you with the Classic Value Club, then earn interest as well.

If the minimum balance of $750 is not maintained, a $5 service charge plus $0.15 per check, after 25 checks, in addition to the monthly club charge will apply.   Automatic overdraft protection is available with this type of account, subject to approval by a loan officer.

Accidental Death & Dismemberment Insurance
LevelMonthly Charge
Basic I - $10,000 $6.50
Basic II - $20,000 $7.50
Family I - $30,000 $8.50
Family II - $40,000 $9.50
Family III - $50,000 $10.50

 

Find Us Call Us Email Us Like Us

Next Section

Back to Top