Personal Savings Accounts

Passbook Savings
Minimum to Open:	$50.00
Minimum Balance:	None
Monthly Charge:	$1.00, if balance falls below $50.00
Excessive Withdrawal Fee:	$1.00 per withdrawal after three per month
Interest Bearing:	Yes
Minimum Balance to Earn Interest:	$100.00
ATM Card Available:	Yes (with approval)

Certificates of Deposit (91-364 day maturity)
Minimum to Open:	$2,500.00
Withdrawal Penalty:	Early withdrawal penalty applies

Certificates of Deposit (1 to 5 year maturity)
Minimum to Open:	$500.00
Withdrawal Penalty:	Early withdrawal penalty based on term of deposit

Individual Retirement Accounts (IRA's)
Minimum to Open:	$500.00
Withdrawal Penalty:	Early withdrawal penalty - refer to CD/IRA Disclosure

Christmas Club

Please come in and see a lobby teller to open.