Personal Savings Accounts 
Regular Savings
- Minimum opening balance: $100.00
- Interest paid quarterly
- Statements quarterly
- If balance falls below $100 at any time during the month, there is a $2.00 service fee monthly.
- $5.00 Charge Per Excess Withdrawal After 10 Per Month.
MMS
- Minimum opening balance: $2,500.00
- Interest rate is higher than Regular Savings
- Interest compounded monthly
- Interest paid monthly
- Monthly statements
- $5.00 per excess withdrawal after ten (10) per month.
- If balance falls below $2500 at any time during the month, a $8.00 service charge for the month will be collected.
Christmas Club
- Maximum deposit of $2,500 per year
- Checks issued first week of November
- Penalty for early withdrawal
- Dormant Fee: $10.00 per year if balance falls below $100.00
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