Accounts


Shares/Savings

This is the primary account that is opened when you join.

  • A $5 minimum deposit (a share) and $2 membership fee (one time) are required.

  • No monthly maintenance fee

For all share accounts, you may make no more than six (6) transfers (per month) from savings to checking. This includes online transfer and overdraft protection.


Drafts/Checking

Checking accounts provide convenience, at no additional cost. Checking account features include the following:

  • No monthly minimum balance requirement

  • No monthly service charge

  • Debit Card

  • 24-hour account access through online banking where you may view check images and account history, make transfers, etc.

  • Convenient monthly e-statements

  • Unlimited check writing

  • Access to select surcharge – free ATMs


VISA Check Card

Our VISA Check Card allows you to withdraw money from your checking account at any ATM, use it everywhere VISA is accepted, and automatically deduct amounts of purchases from your checking account balance.


Club Accounts

  • Christmas Club – way to save money throughout the year for the holidays

    • Early withdrawal fee $25 (prior to Oct. 16)

  • Club 1 and Club 2 – use to set aside for vacation or a rainy day


Individual Retirement Accounts (IRAs)

Individual Retirement Account (IRA) is a tax advantaged account that individuals use to save for retirement. The federal government authorized IRAs to help working people accumulate funds for retirement. IRAs have become increasingly popular because they offer tax breaks to individuals while they are saving for the future.