• Interest-bearing account
• Set aside funds for something specific or simply a rainy day
• Interest paid quarterly
• $25 minimum balance
• Avoid the $2.58 monthly service charge by maintaining a balance of $25
• Withdrawal limits apply*
• Free online banking, mobile banking, eStatements , 24/7 telephone banking

Compare our savings accounts side by side.

*There is a $1.00 fee for each withdrawal over four (4) presented during a calendar month.

Some features not available on all accounts.

• Easily save year-round for the holidays
• Interest paid quarterly on your entire balance
• No monthly maintenance fee
• Club funds are disbursed in early November
• Early withdrawals subject to penalty*

*No withdrawals can be made. If account is closed prior to November 1st, all interest gained will be forfeited.

Some features not available on all accounts.

• Enjoy flexibility with enhanced access to funds
• Greater earnings than savings accounts
• Competitive, tiered rates based on minimum balance
• Earns interest on all balances
• Higher balances earn higher rates
• Make deposits at any time or set up direct deposit
• Avoid the $10 monthly service charge by maintaining balance of $1,000
• Direct check writing ability
• Unlimited in-branch transactions
• Free online banking, eStatements , mobile banking

Compare our savings accounts side by side.

Some features not available on all accounts.

• Enjoy flexibility with enhanced access to funds
• Greater earnings than savings accounts or standard money market
• Competitive, tiered rates based on minimum balance
• Earns interest on all balances
• Higher balances earn higher rates
• Make deposits at any time or set up direct deposit
• Avoid the $25 monthly service charge by maintaining balance of $10,000
• Direct check writing ability
• Unlimited in-branch transactions
• Free online banking, eStatements, mobile banking, 24/7 telephone banking

Compare our savings accounts side by side.

Some features not available on all accounts.

A great way to start saving!

• $500 minimum to open
• Flexible terms from 6 months – 5 years
• Start building your savings today!

Check out our current rates.

*Annual Percentage Yield. Rates and APY are effective and accurate as of 5/04/2023.  $500 minimum deposit to open.  $500 minimum balance.  Early withdrawal penalties may apply.  Fees may reduce the earnings on the account.  You cannot make additional deposits to the account during a term (other than credited interest).  You cannot withdraw principal from this account without our consent, except on or after maturity.  For accounts such as these that automatically renew, there is a ten (10) day grace period after each renewal date during which withdrawals are permitted without penalty.  CD specials will renew at the same standard term.  For example: a six (6) month special will renew for another six (6) month term.  Rates are subject to change without notice.  Limited time offer.

Some features not available on all accounts.

CD Transaction Limitations

You cannot make additional deposits to this account during a term (other than credited interest). You cannot withdraw principal from this account without our consent except on or after maturity. (For accounts that automatically renew, there is a ten day grace period after each renewal date during which withdrawals are permitted without penalty).

Summary

• Save for retirement with tax advantages*
• Earn competitive interest higher than regular savings
• Earns interest quarterly
• Available in traditional and Roth
• Annual contribution limits apply
• Annual “catch up” contributions allowed for ages 50 and better
• No annual fees or set up fees
• No minimum balance requirements

Traditional vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

TRADITIONAL IRA

• Tax-deferred earnings
• Contributions may be tax deductible
• Best option when rolling over your pension or 401(k)

ROTH IRA

• Contributions are not tax deductible
• Tax-free earnings
• Tax-free qualified withdrawals
• More flexible access to funds than traditional IRA

Coverdell ESA

Higher education can become a financial burden. A Coverdell Education Savings Account (ESA) is designed to help lighten the load.

• Set aside funds for your child’s education
• Interest grows tax-free*
• Withdrawals are tax-free and penalty-free when used for qualifying education expenses*
• Designated beneficiary must be under 18 when contributions are made
• To contribute to an ESA, certain income limits apply*
• Contributions are not tax deductible
• Contributions are allowed regardless of traditional or Roth IRA participation
• $2,000 maximum annual contribution per child
• The money must be withdrawn by the time beneficiary turns 30
• The ESA may be transferred without penalty to another member of the family

*Please consult a tax advisor.

Some features not available on all accounts.