First Savings
Minimum Opening Deposit: $200
We understand the necessity of planning for the future. Our First Savings plan offers a competitive rate with availability when YOU need it!
· Unlimited Deposits
· 3 withdrawals per quarter at no charge.
. Additional withdrawals may be made at a charge of $2 each.
· Interest is compounded and credited to your account quarterly.
· $200.00 minimum balance to avoid a quarterly service charge of $9.00

Minor Savings
Minimum Opening Deposit: $75
Teach your children the importance of saving by opening an account specifically designed for our younger savers under the age of 18.
· Unlimited Deposits
· 3 withdrawals per quarter at no charge.
. Additional withdrawals may be made at a charge of $2 each.
· Interest is compounded and credited to your account quarterly.
· $50.00 minimum balance to avoid a quarterly service charge of $5.00

First Checking
Minimum Opening Deposit: $300
If a basic checking account is what you are looking for, check out this full service checking account with unlimited check writing ability.
· Unlimited check writing privileges
· Free ATM Card with Unlimited Transactions
· Free Visa Gold Debit Card for qualified applicants
· Free Online Banking
· Free Bill Pay for the first 90 Days1
· Safe Deposit Box Rental2
· $300.00 minimum balance to avoid a monthly service charge of $9.00

Prestige Checking
Minimum Opening Deposit: $100
Add some prestige to your checking account. Our Prestige Checking Account offers a long list of features and services without prestigious balance requirements. Included with this account is:
· Unlimited check writing privileges
· 50% discount on Safe Deposit Box Rental3
· Free wallet "club" checks (One Box at a time)
· Free Cashier's Checks, Money Orders & Travelers Checks
· Free Notary Service
· Interest Bearing Account4
· Free ATM Card with Unlimited Transactions
· Free Visa Gold Debit Card for qualified applicants
· Free Online Banking
· Free Bill Pay for the first 90 Days1
· $100.00 minimum balance to avoid a monthly service charge of $9.00

Prestige Money Market Savings
Minimum Opening Deposit: $2,500
If you need a money market savings account that gets results, then consider our Prestige Money Market Savings account. The higher your balances, the higher your rate of interest.
· Competitive interest rates (call for current rates)
· Interest paid monthly
· Up to 6 withdrawals per month at no charge.
. No more then 3 of the 6 may be by check, debit card, or similar order to third parties.
· Monthly statements
· $2,500.00 minimum balance to avoid a monthly service charge of $15.00
· A minimum daily collected balance of $2,500.00 is required to earn interest. Interest rates can change daily and are based on the following daily collected balances:

Tier 1 $2,500 to less than $24,999.99
Tier 2 $25,000 to less than $49,999.99
Tier 3 $50,000 to less than $99,999.99
Tier 4 $100,000 and up

Important Information For Money Market Accounts:
Your interest rate and annual percentage yield may change at our discretion. We may change the interest rate on your account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks). We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal collected balance in the account each day. Federal Regulation limits you to six withdrawals or transfers from your money market account each monthly statement cycle by preauthorized, telephone or PC Transfer (including bill payment). No more than 3 of the 6 may be by check, debit card, or similar order to third parties.
An excess withdrawal fee of $20 will be charged for each debit during a monthly statement cycle. Fees may reduce earnings.