Savings Accounts Designed to Help Your Money Grow
Save for today, tomorrow, and everything in between
Statement Savings
Build your savings effortlessly with our Statement Savings account. It’s a flexible, accessible way to prepare for life’s rainy days or future purchases. Enjoy earning interest while keeping your money within easy reach—no complicated requirements, just simple, effective saving.
- $100 minimum to open account
- $100 minimum balance to earn interest
- ATM cards, Online Banking, and eStatements available for your convenience
- $5 monthly service fee if daily balance falls below $100
- Service charge waived for minors (Ages 0-25) and seniors (55 years old+)
- $3 monthly fee for paper statements
The number of withdrawals or transfers to another account or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party is limited to ten (10) transactions in a four (4) week or similar period.
If there are more than ten (10) of the above transactions in a four (4) week or similar period, your Statement Savings will be charged $1.00 per each item over ten (10).
Withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.
Smart savings for healthier finances
Health Savings Accounts
Take control of your healthcare expenses while enjoying valuable tax advantages. A Health Savings Account (HSA) is a smart way to prepare for medical costs, offering tax-free contributions and withdrawals for qualified expenses. Your savings roll over year after year, providing lasting financial security, and it’s an excellent option for both individuals and families looking to manage healthcare expenses effectively.
- Must have a high deductible health insurance plan to qualify (HDHP)
- Balance carries over from year to year and the account remains with you, regardless of change in coverage or employment
- HSA debit card included
- $3.00 monthly service charge
- Tiered interest bearing account on the following balance ranges:
$1,500.00 – $4,999.99
$5,000.00 – $9,999.99
$10,000.00 – Above
Consult your tax advisor for specific rules around tax benefits of an HSA
Club Accounts
Save a little now, enjoy a lot later
Vacation Club
Relax knowing your dream vacation is paid for in advance! Open your Vacation Club account with just $1.00, and watch your savings grow over the year. Contributions begin each June, and your funds are ready to payout the following June—just in time to plan your perfect escape.
Christmas Club
Enjoy stress-free holiday shopping by saving throughout the year! With just $1.00 to open, it’s easy to get started. Contributions begin each November, and your funds are ready to payout the following November, just in time to deck the halls and spread holiday cheer.
Harvest Club
Save year-round for fall celebrations like county fairs and festivals. Open your Harvest Club account with just $1.00, start saving in October, and receive your payout the following October—just in time for all your autumn plans!
Lock in higher earnings with peace of mind
Certificates of Deposit
If you’re planning for the road ahead, a Certificate of Deposit (CD) is a smart savings strategy to grow your wealth.
CDs offer competitive rates and flexible terms, making them an excellent choice for both short-term and long-term financial goals.
With a minimum balance of $1,000 to open, you can lock in great rates and watch your savings grow. CDs are automatically renewable, ensuring your investment continues to work for you without interruption. Choose from a variety of terms tailored to meet your unique needs and start building your future today!
Individual Retirement Accounts
Our IRA Certificates offer a safe, conservative option for retirement planning, ensuring your funds are there to support the retirement you’ve worked so hard to achieve. Don’t wait—start securing your future today!
Traditional IRA
- Earnings are not taxed until withdrawal.
- Tax deferred growth of funds.
- Contributions may be tax deductible (Consult your tax advisor).
- Penalty free if you need funds for certain medical emergencies, first time home buying, and qualified educational expenses.
- Mandatory minimum distributions required annually from traditional IRA’s after you reach the required minimum distribution age.
Roth IRA
- Tax free growth of your funds
- No mandatory distributions required
- As long as you have earned income, you can contribute to a Roth IRA, regardless of age.
- Penalty free withdrawals after 5 years and age is 59 ½ years old.
- Customers could be subject to an early withdrawal penalty on IRAs.
Additional Personal Services
Ready to achieve your savings goals?
Speak with a Customer Service Representative to explore your options!
