Personal Deposit Solutions

 N.O.W. / 62 Advantage Checking

We only have one type of checking account because that’s all you need! Let one of our Personal Banking Representatives open one for you today.

 You must maintain a minimum balance of $300.00 in the account each day to obtain the disclosed annual percentage yield. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Your interest rate and annual percentage yield may change on your account at any time. Interest will be compounded on a daily basis and credited to your account on a monthly basis.

Savings Accounts

Money Market Deposit Account: Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate at any time. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded on a daily basis and credited to your account on a monthly basis.

Statement Savings Account: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We reserve the right to require seven (7) day notice prior to withdrawal. You may not bring the account balance below the minimum balance without closing the account. 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 will be compounded on a daily basis and credited to your account on a quarterly basis.

CDs & IRAs

Jumbo Certificate of Deposit: Certificates will earn interest on a monthly compounded basis and credited on a monthly basis unless quarterly, semi-annual or at maturity checks or transfers are taken. Interest will be earned on a non-compounding basis. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). You may not make deposits into your account until the maturity date. You will be paid the fixed interest rate until the maturity date of the certificate. The penalty for withdrawal of principle prior to the maturity date is negotiated at the time the certificate is opened. The annual percentage yield disclosed is assumed that the interest will remain on deposit until maturity. Any withdrawal will reduce earnings. This account will not renew automatically at maturity. If you do not renew the account, your deposit will be placed in an interest bearing account.

I.R.A. Certificates of Deposit: Interest will be compounded on a daily basis and credited to your account on a quarterly basis. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). You may not make deposits into your account until the maturity date. IF you reduce the balance in the account below the minimum balance requirement, we may impose the penalty on the entire account balance and any funds left in the account will then receive the interest rate and annual percentage yield then being paid on regular savings account. If the funds deposited in a certificate account are to open an Individual Retirement Account, no penalty will be imposed for any withdrawal that is made within 7 days of establishing the IRA Account. In addition to any penalty that we may impose for early withdrawal, under certain circumstances, there may be an additional IRS penalty. See your Retirement Account Documents for details. The annual percentage yield disclosed is assumed that the interest will remain on deposit. Any withdrawal will reduce earnings. Your account will automatically renew at maturity. You will have 7 calendar days after the maturity date to withdraw your funds without being charged a penalty.

I.R.A. Savings Account: Your interest rate and annual percentage yield may change on your account at any time. Interest will be compounded on a daily basis and credited to your account on a quarterly basis. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). You may not bring the account balance below the minimum balance without closing the account.