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Personal Banking

 

Savings Accounts

 

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A FUN WAY TO SAVE FOR CHILDREN. This account has no minimum balance requirements.

 

Rate Information:

 

This Account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited you will not receive the accrued interest.

 

Balance Information:

 

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

 

Limitations:

 

You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. All six (6) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

 

Account Fees:

 

A service charge of $1.00 per month will be assessed on accounts which have more than three withdrawals per month.

Mission Statement

To glorify God, provide economic benefits for our employees and community and to please our customers with quality products and services so as to create value for our shareholders.