Personal Accounts

Freedom Checking

No minimum balance
No service charge
First 50 checks FREE
$25.00 opening deposit
Unlimited check writing per statement cycle
Order checks from Deluxe®

Regular Checking

$400.00 minimum balance to avoid fees
Free ATM/Debit card withdrawals at our ATM locations
Waived service charge for retired account holders
Unlimited check writing per statement cycle
Order checks from Deluxe®

NOW Checking

$750.00 minimum balance to avoid fees
Variable rate compounded daily and paid monthly
Waived service charge for retired account holders
Unlimited check writing per statement cycle
Order checks from Deluxe®

Navigator Checking

$15,000.00 minimum balance to avoid fees
FREE ATM/Debit card withdrawals at ALL locations
FREE debit card
Variable rate compounded daily and paid monthly
Unlimited check writing per statement cycle
Order checks from Deluxe®

Savings

$5.00 opening deposit
Variable rate compounded daily and paid quarterly
Monthly statement if EFT activity, otherwise quarterly

Health Savings Accounts

Tax advantaged savings account used for medical expenses
$50.00 opening deposit
First 25 checks FREE
Variable rate compounded daily and paid monthly

Money Fund

$1,000.00 opening deposit
Variable rate compounded daily and paid monthly. Rate increases with higher balances.
Maximum of 6 preauthorized transfers
Monthly Statement

Time Certificates

$1,000.00 opening deposit
Interest paid by check, credited to another account, or added to your certificate of deposit
View our rates here (Requires Adobe® Reader®)

Retirement Accounts

$25.00 opening deposit
Traditional IRA, Roth IRA, Simple IRA

Business Accounts

Business Analysis Checking

Standard Business Activity Account
$0.10 per foreign item deposited. $0.15 transaction charge per debit
2.0% periodic earnings credit applied to reduce or eliminate fees. (Rate subject to change)
Monthly Statement

Small Business Checking

Business Account with fewer items processed
$5.00 per statement. $0.10 per debit over 15
Monthly Statement

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trus Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Online Banking

Mortgage Loans