Savings Accounts

Commercial Savings

A low minimum balance allows you to earn interest and receive quarterly statements showing all your activity. Tie your savings account to your checking account and get a monthly statement. We can transfer funds automatically for you each month to help you with your savings habits. Of course, you can access your account 24 hours a day online or with Touch Tone Teller.

Money Market

The more you save, the more you earn. A higher rate of return is earned with higher minimum balance requirements. Limited check writing ability is available. Make this part of your investment mix!

Health Savings Account

A Health Savings Account (HSA) is to be used in conjunction with a High Deductible Health Plan, where contributions to the account can be used for current and future medical expenses. Funds are easily accessible. No minimum balance or account opening fee. There is a $10 annual administrative fee. You may receive a free debit card with this account.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.