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PersonalMAX Money Market Account

This account pays premium rates indexed to the Fed Funds rate, and  higher balances earn higher rates with our tiered earnings structure.  Rates adjust automatically with changes in the Fed Funds rate.  Offers full liquidity so you can access your money when you need it*.  Please contact us for current interest rates.

  • Minimum deposit of $1,000 is required to open this account. 
  • No monthly maintenance fee when you maintain a minimum balance of $2,500
  • *Up to six pre-authorized debits or phone transfers to another of your accounts or to a third party per month ($5 fee for each additional transfer/debit over six)


Regular Savings

Regardless of your balance, this account pays the current variable market rate of interest which is credited quarterly.

  • Minimum deposit of $100 is required to open this account
  • A $6 quarterly maintenance fee if your balance falls below $100.
  • Up to three (3) withdrawals/transfers per quarter (Low $2 fee for each additional withdrawal/transfer)


NextGen Savings

The perfect account for the next generation of savers.

Paving the way to financial success takes a lot of planning, hard work, and the right tools to help you along the way.  NextGen Savings account has the tools you will need to learn good habits and fast forward your financial success.

Earn a great rate and learn to track your progress using tools like telephone banking, free online banking and e-statements.  Take advantage of free financial education programs on-line.  Plus, when you turn 19, we will help you build your credit and start out on your own track to financial success with a Small Dollar Loan*.

  • Available from birth up to 19 years of age
  • Minimum opening deposit of just $5
  • Redeem $5.00 birthday bucks annually into your NextGen Savings Account.
  • Build your credit with a Small Dollar Loan at age 19*
  • Pays tiered rates with bonus rate paid on balances less than $500
  • Currently pays 5.12% APY up to $500 and .10% APY on balances over $500
  • Free telephone banking and online banking/e-statements
  • No monthly maintenance fee
  • Up to three transfers/withdrawals allowed per quarter.  $2.00 per debit in excess of 3 transfers/withdrawals allowed per quarter

Child must be under 19 years of age and open account with adult joint owner.  Free online banking/E-statements both require activation. Financial education opportunities require registration.  Stated APY (Annual Percentage Yield) is current as of October 1, 2018 and is subject to change. Fees could reduce the earnings on the account.  The APY for balances over $500.00 will range from 5.12% to 2.42% depending on the balance in the account. *Account holder entitled to apply for first small dollar loan after age 19 and thru age 21 (see personal banker for further infromation).  Converts to regular savings account or customer’s choice of account type at age 19.  Limit one (1) NextGen Savings account per child. 


Christmas Club

Designed to help you finance holiday expenses, this savings plan enables you to set aside money all year for Christmas.

  • Minimum deposit of $1.00 is required to open this account
  • Receive a check for the amount you deposited PLUS interest earned in October (just in time for holiday shopping!)
  • A fee of $15 is charged for each withdrawal made.