Deposit Rates & Terms

Your Hometown Friends. Your Hometown Bank.

Checking and Savings

The following Transaction Accounts have a variable rate – the rate may change at the Bank’s discretion

Rates current as of April 23, 2020

Deposits are insured by the FDIC up to applicable limits

Rates are subject to change

Do not rely on this information for making investment decisions. Please call to confirm rates.

Account
Type
Minimum
Deposit
to Open
Interest
Rate
Annual
Percentage
Yield
Click to see
Account Disclosure
Additional Information
Basic Checking
$100.00
N/A
N/A
Account Disclosure Unlimited transactions.
Monthly low balance fee: $5 per month if daily balance falls below $100.
Monthly statements with images provided or e-Statements with images available.
ATM or Debit card available upon request.
Advantage Checking

Balance less than $25,000
Balance of $25,000 to $99,999
Balance of $100,000 or greater

$300.00
0.10%
0.15%
0.25%
0.10%
0.15%
0.25%
Account Disclosure Unlimited transactions.
Interest compounded monthly and credited monthly.
Monthly low balance fee: $5 per month if daily balance falls below $300.
Monthly statements with images provided or e-Statements with images available.
ATM or Debit card available upon request.
Money Market Deposit Account

Balance less than $25,000
Balance of $25,000 to $99,999
Balance of $100,000 or greater

$1000.00
0.10%
0.15%
0.25%
0.10%
0.15%
0.25%
Account Disclosure Limited transactions.
Interest compounded monthly and credited monthly.
Monthly low balance fee: $5 per month if daily balance falls below $300.
Monthly statements with images provided or e-Statements with images available.
ATM or Debit card available upon request.
Business Checking
$300.00
N/A
N/A
Account Disclosure Unlimited transactions.
Monthly low balance fee: $5 per month if daily balance falls below $300.
Monthly statements with images provided or e-Statements with images available.
Deposit bags available upon request.
Statement Savings
$50.00
0.25%
0.25%
Account Disclosure Limited transactions.
Monthly low balance fee: $5 per month if daily balance falls below $100.
Monthly statements provided or e-Statements available. ATM card available upon request.
Interest compounded daily and credited monthly.
Simply Savings
$50.00
($10 if under 18)
0.25%
0.25%
Account Disclosure Limited transactions.
Monthly low balance fee: $5 per month if daily balance falls below $100.
Interest compounded daily and credited monthly.
Christmas Savings
$5.00
(50 week-$250 total)
0.40%
0.40%
Account Disclosure Limited transactions
Interest compounded daily, credited at maturity
$250 minimum balance to avoid $5 service fee

CERTIFICATES OF DEPOSIT

Account
Type
Minimum
Deposit
to Open
Interest
Rate
Annual
Percentage
Yield
Click to see
Account Disclosure
3 Month CD
$500.00
0.15%
0.15%
Account Disclosure
6 Month CD
$500.00
0.20%
0.20%
Account Disclosure
7 month CD
$500.00
0.65%
0.65%
Account Disclosure
1 Year
$500.00
0.40%
0.40%
Account Disclosure
1 Year Variable Rate
$500.00
0.40%
0.40%
Account Disclosure
15 Month CD
$500.00
1.00%
1.00%
Account Disclosure
18 Month CD
$500.00
1.00%
1.00%
Account Disclosure
2 Year CD
$500.00
1.00%
1.00%
Account Disclosure
3 Year CD
$500.00
1.24%
1.25%
Account Disclosure
4 Year CD
$500.00
1.24%
1.25%
Account Disclosure
5 Year CD
$500.00
1.24%
1.25%
Account Disclosure
Individual Retirement Account 2 Year Fixed
$500.00
1.24%
1.25%
Account Disclosure

* Fee Schedule

No IRA products offered for less than a 1 Year term.

There is a penalty for early withdrawal on the above accounts; please see account specific disclosure for further information.

Fee may reduce your earnings – please see the fee schedule and account specific disclosure for more information.

The following Transaction Accounts have a variable rate – the rate may change at the Bank’s discretion

Rates current as of April 23, 2020

Deposits are insured by the FDIC up to applicable limits

Rates are subject to change

Do not rely on this information for making investment decisions. Please call to confirm rates.

Account
Type
Minimum
Deposit
to Open
Interest
Rate
Annual
Percentage
Yield
Disclosure
Basic Checking $100.00 N/A N/A Account Disclosure

Additional Information:

  • Unlimited transactions
  • Monthly low balance fee: $5 per month if daily balance falls below $100.
  • Monthly statements with images provided or e-Statements with images available.
  • ATM or Debit card available upon request.
Advantage Checking
– Balance less than $25,000
– Balance of $25,000 to $99,999
– Balance of $100,000 or greater
$300.00 0.10%
0.15%
0.25%
0.10%
0.15%
0.25%
Account Disclosure

Additional Information:

  • Unlimited transactions
  • Interest compounded monthly and credited monthly.
  • Monthly low balance fee: $5 per month if daily balance falls below $300.
  • Monthly statements with images provided or e-Statements with images available.
  • ATM or Debit card available upon request.
Money Market Deposit Account
– Balance less than $25,000
– Balance of $25,000 to $99,999
– Balance of $100,000 or greater
$1,000.00 0.10%
0.15%
0.25%
0.10%
0.15%
0.25%
Account Disclosure

Additional Information:

  • Limited transactions.
  • Interest compounded monthly and credited monthly.
  • Monthly low balance fee: $5 per month if daily balance falls below $300.
  • Monthly statements with images provided or e-Statements with images available.
  • ATM or Debit card available upon request.
Business Checking $300.00 N/A N/A Account Disclosure

Additional Information:

  • Unlimited transactions.
  • Monthly low balance fee: $5 per month if daily balance falls below $300.
  • Monthly statements with images provided or e-Statements with images available.
  • Deposit bags available upon request.
Statement Savings $50.00 0.25% 0.25% Account Disclosure

Additional Information:

  • Limited transactions.
  • Monthly low balance fee: $5 per month if daily balance falls below $100.
  • Monthly statements provided or e-Statements available.
  • ATM card available upon request.
  • Interest compounded daily and credited monthly.
Simply Savings $50.00
($10 if under 18)
0.25% 0.25% Account Disclosure

Additional Information:

  • Limited transactions.
  • Monthly low balance fee: $5 per month if daily balance falls below $100.
  • Interest compounded daily and credited monthly.

CERTIFICATES OF DEPOSIT

Account
Type
Minimum
Deposit
to Open
Interest
Rate
Annual
Percentage
Yield
Click to see
Account Disclosure
3 Month CD
$500.00
0.15%
0.15%
Account Disclosure
6 Month CD
$500.00
0.20%
0.20%
Account Disclosure
7 month CD
$500.00
0.65%
0.65%
Account Disclosure
1 Year
$500.00
0.40%
0.40%
Account Disclosure
1 Year Variable Rate
$500.00
0.40%
0.40%
Account Disclosure
15 Month CD
$500.00
1.00%
1.00%
Account Disclosure
18 Month CD
$500.00
1.00%
1.00%
Account Disclosure
2 Year CD
$500.00
1.00%
1.00%
Account Disclosure
3 Year CD
$500.00
1.24%
1.25%
Account Disclosure
4 Year CD
$500.00
1.24%
1.25%
Account Disclosure
5 Year CD
$500.00
1.24%
1.25%
Account Disclosure
Individual Retirement Account 2 Year Fixed
$500.00
1.24%
1.25%
Account Disclosure
*Current Specials-Certificate of Deposit

* Fee Schedule

No IRA products offered for less than a 1 Year term.

There is a penalty for early withdrawal on the above accounts; please see account specific disclosure for further information.

Fee may reduce your earnings – please see the fee schedule and account specific disclosure for more information.

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