Personal Savings

Personal Savings:

• Minimum opening deposit of $100.00
• A minimum balance fee of $5.00 will be imposed every quarter if the balance in the account falls below $100.00 any day of the quarter
• Interest paid quarterly on daily ledger balance*
• Three free withdrawals per quarter
• Additional withdrawals are $1.50 each

There will be a $25.00 cancellation fee on any checking or savings if account is closed within 60 days after it is opened.

All interest bearing transaction accounts will be subject to change

All transactions received after 2:30 p.m. will be credited on the next business day

*If the account is closed before interest is credited, you will not receive the accrued interest

St. Nickele$$:

• Minimum opening deposit of $25.00
• Must maintain a minimum account balance of $.05
• Allowed only 1 withdrawal per year in the form of a special holiday check in the amount of the principle and interest, less one nickel
• $20 penalty per additional withdrawals
• Interest paid monthly on daily ledger balance*

There will be a $25.00 cancellation fee on any checking or savings if account is closed within 60 days after it is opened.

All interest bearing transaction accounts will be subject to change

All transactions received after 2:30 p.m. will be credited on the next business day

*If the account is closed before interest is credited, you will not receive the accrued interest

Money Market Savings:

• Minimum opening deposit of $2,500.00
• A maintenance fee of $7.95 will be imposed every month if the minimum ledger balance in the account falls below $2,500.00 and the average collected  balance is less than $5,000.00 any day of the month
• Interest paid monthly on daily ledger balance*
• Limited to 6 debits per month

There will be a $25.00 cancellation fee on any checking or savings if account is closed within 60 days after it is opened.

All interest bearing transaction accounts will be subject to change

All transactions received after 2:30 p.m. will be credited on the next business day

*If the account is closed before interest is credited, you will not receive the accrued interest

Advantage Money Market:

• Minimum opening deposit of $5,000.00
• A minimum balance fee of $10.00 will be imposed every month if the balance in the account falls below $5,000.00 any day of the month
• Interest paid monthly on daily ledger balance*
• Tiered interest rate based on current 91 day Treasury Bill
• Limit of 6 debits per month – 3 free, additional withdrawals $10.00 each

There will be a $25.00 cancellation fee on any checking or savings if account is closed within 60 days after it is opened.

All interest bearing transaction accounts will be subject to change

All transactions received after 2:30 p.m. will be credited on the next business day

*If the account is closed before interest is credited, you will not receive the accrued interest

Community Kids Club:

• Minimum opening deposit of $.25
• Interest paid quarterly on daily ledger balance*
• Three free withdrawals per quarter
• Additional withdrawals are $1.50
• Designed for children grades Kindergarten thru 5th grade
• Two signatures required on account

There will be a $25.00 cancellation fee on any checking or savings if account is closed within 60 days after it is opened.

All interest bearing transaction accounts will be subject to change

All transactions received after 2:30 p.m. will be credited on the next business day

*If the account is closed before interest is credited, you will not receive the accrued interest

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