Personal Savings
Deposit Accounts for all Needs
Whether you are starting out in a new job or you want to set aside some cash for a special purpose or a special person, our deposit accounts offer easy access and current interest rates. Use the chart below to determine the best options for you. After a while, your savings will have grown, just like a carefully tended garden!
Statement Savings
- Access by ATM card
- Free Online Banking
- Free Telephone Banking
- Free Direct Deposit
- Free eStatements
- Minimum Average Balance of $100 Required to Avoid Monthly Service Fees
CDs
Certificates of Deposit provide a safe and profitable way to save your hard-earned cash, and the terms are flexible. Take advantage of a great rates and have complete security and growth for your savings. Additional premiums are often available for CDs of $100,000 or more. Call us for a quote.
Kids Savers
A very special savings program for kids under the age of 18 that teaches financial responsibility. Financial literacy is so very important to future successful money management.
- Special Kids’ Savers Interest Rates
- No Fees
- Quarterly Statement
Club Accounts
Club accounts are popular because you save while you anticipate the happy reward. We have Clubs for all purposes: Holiday, Vacation, Mortgage, New Car and more.
- Easy and Flexible
- You Set the Amount and Frequency of Deposits
- Easy Online Tracking of Progress Towards Your Goal
- Free Direct Deposits
- Free eStatements
HSA
Health Savings Accounts are often a smart part of a health insurance plan. If your insurance policy allows a Health Savings Account, you should be using it to cover your high deductible. If you have any questions about how an HSA works, click here to read a comprehensive and understandable article from The Mayo Clinic.
- Direct Deposit May Be Available with Pre-tax Benefits through Your Employer
- Individual or Family Plans
- Access with Checks and/or VISA Debit Card
- Free Online Banking
- Free Telephone Banking
- Free Direct Deposit
- Free eStatements
IRAs
Individual Retirement Accounts are excellent savings tools. There are a variety of IRAs available for you to consider. Please review the IRA page where you will find more details about the tax and retirement advantages of:
- Roth IRAs
- Traditional IRAs
- SEP Accounts
- SIMPLE IRAs
After you’ve read about them, come in and talk for a few minutes with one of our Customer Service Reps, who will answer any questions you may still have.
Transactions are limited by regulation.
Money Market
A Money Market account offers higher interest rates based on the account balance. This makes it easy to save and easy to use your money when you need to.
- Unlimited Access in Person or by ATM
- Access by Check, Telephone and Online Banking