Personal Checking

Personal Savings

Certificates of Deposit


Personal Savings


Account Type Minimum Opening Deposit Interest

Monthly Minimum Balance Fees

# Withdrawals per cycle

Regular Savings $100 Interest is compounded monthly and paid monthly $5 if average daily balance falls below $100

$10 per item fee after 6 withdrawals

Christmas Club $20 Paid at Maturity $10 per item withdrawal fee


No interest if closed prior to maturity


IRA $1000 Simple interest is credited to your account on the last business day of the calendar year NONE NONE
 Hometown Smart Student Savings  $0 Interest is compounded monthly and paid monthly   NONE  $10 per item fee after 6 withdrawals


The daily balance method is used to calculate interest on your  account. Interest begins to accrue on the day we receive credit for the deposit of non-cash items (checks). Accounts closed within 90 days of opening will be assessed a $25.00 fee and loss of accrued interest will result on your account. 


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