STATEMENT Savings:
This is an interest bearing account. A minimum of  $50.00 is used to open this account. You may make 3 free withdrawals per month. You will be charged $1.00 for each additional withdrawal. You must maintain a minimum balance of $100.00 to obtain the annual percentage yield. There is a $3.00 service charge assessed per month for accounts that fall below the average balance of $50.00. Interest is credited to your account quarterly in a calendar year. The interest rate and annual percentage yield are included in the Interest Rate Chart.

Christmas Club Accounts:
This is an interest bearing account. You may not make any withdrawals from this account. Interest will be credited to your account at maturity. A check will be issued to you at the end of October. The interest rate and annual percentage yield are included in the Interest Rate Chart.

IRA Savings:
This is an interest bearing account. You must maintain a minimum balance of $250.00 to obtain the annual percentage yield. If you withdrawal any of the principal before age     59 ½ we may impose a penalty of three months interest on amount withdrawn. Interest is credited to your account annually on December 31st. The interest rate and annual percentage yield are included in the Interest Rate Chart.

HEALTH SAVINGS ACCOUNT:

HSA Accounts are Available! Please call for more information.

Interest Rate changes are solely at the Banks discretion.

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