There is NO MINIMUM balance required. Interest is paid quarterly and there must be a balance in the account on the date interest is paid. Variable rate. Rates subject to change after account is opened.

NOW Account

A statement showing interest earned from the previous month will be mailed or held at the customer's request on the first of the month. A BALANCE OF $1,000.00 MUST BE MAINTAINED to avoid a $10.00 monthly fee. There is NO LIMIT on the number of deposits and withdrawals on NOW accounts. Variable rate. Rates subject to change after account is opened.

Money Market Savings Account

A statement showing interest earned from the previous month will be mailed or held at the customer's request on the first of the month. A notice of current interest rate will be included in the statement. NO INTEREST WILL BE PAID IF THE AVERAGE DAILY BALANCE FOR THE MONTH IS LESS THAN $2,500.00. No passbook is required for deposits and withdrawals. Variable rate. Rates subject to change after account is opened.


Premier Money Market Account

You must maintain a minimum average daily balance of $10,000 in your account to earn the disclosed interest rate. If your balance falls below $10,000, your account will be subject to a $10 service charge. Limit of six withdrawals per month. Excess withdrawals are $10 each. Variable rate. Rates subject to change after account is opened.

Individual Retirement Account

An IRA is a RETIREMENT ACCOUNT on which the TAX-DEFERRED INTEREST is paid semiannually. A MINIMUM DEPOSIT of $500.00 is required to open the IRA and each subsequent deposit must be at least $100.00. Withdrawals are not permitted before the age of 59 1/2 without penalties being assessed as required by law. Variable rate. Rates subject to change January 1 and July 1 after account is opened.