Personal Savings

Personal Savings:

• Minimum opening deposit of $100.00
• Earns simple interest paid quarterly
• Statements mailed quarterly
• If the ledger balance falls below $100.00 during any day of the cycle, a $5.00 minimum balance fee will be imposed
• Three free withdrawals per quarter
• Additional withdrawals are $1.50 each
• No interest paid during period if account closes before end of quarter.  

There will be a $25.00 cancellation charge 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 2:30p.m. will be credited on the next business day.  

St. Nickele$$:

• Minimum 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  

There will be a $25.00 cancellation charge 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 2:30p.m. will be credited on the next business day.  

Money Market Savings:

• Minimum opening deposit $2,500.00
• If the minimum ledger balance falls below $2,500.00 and the average collected balance is less than $5,000.00 a monthly maintenance fee of $7.95 will apply
• Limited to 6 debits per month
• Earns simple interest paid monthly 

There will be a $25.00 cancellation charge 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 2:30p.m. will be credited on the next business day.

Advantage Money Market:

• Minimum opening deposit $5,000.00
• If the minimum balance falls below $5,000.00 a $10.00 minimum balance fee will apply
• Limited to 6 debits per month of which 3 are free
• Excessive withdrawals are $10.00 each
• Tiered interest rate based on current 91 day Treasury Bill   

There will be a $25.00 cancellation charge 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 2:30p.m. will be credited on the next business day.

Community Kids Club:

• Minimum opening deposit $.25
• Earns simple interest paid quarterly
• Three free withdrawals per quarter.
  Additional withdrawals $1.50 each.
• Designed for children grades Kindergarten thru 5th grade.
  Two signatures required on account  

There will be a $25.00 cancellation charge 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 2:30p.m. will be credited on the next business day.  

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