You must be 55 years of age or older to open this account. 
Minimum balance to open account  - You must deposit $100.00 to open this account.

Fees - This club is a no fee club.  You can become a member of this club by being 55 years young. We appreciate having the opportunity to be of service to you and that is why we provide these services free of charge.

• Free personalized "First Edition" checks.
• Free copy services.
• Free notary services.
• Free safekeeping services for certificates of deposit.
• No issue charge on traveler's checks or cashier's checks

Regular Checking Account

Minimum balance to open account  - You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.  These fees will be waived for churches and school related organizations.
 

First Preferred  Account 

Minimum balance to open account  - You must deposit $100.00 to open this account.

Fees - A First Club 1 fee will of $7.50 will be charged each statement cycle.
This account offers $10,000 worth of Accidental Death & Dismemberment insurance.
 

Now Account

• You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual annual percentage yield.
• We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
• If you close your account before interest is credited, you will not receive the accrued interest.
   

Statement Savings Account

• We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
• Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
• If you close your account before interest is credited, you will not receive the accrued interest.
• Withdrawals from a Statement Savings Account are limited to three per four week period.
• An activity fee of $.50 per withdrawal will be charged for each four week period in which withdrawals exceed three.

Money Market Account

• You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual annual percentage yield.

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

• Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

• If you close your account before interest is credited, you will not receive the accrued interest.

• Transfers from a Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, or similar order to third parties.

• An activity fee of $5.00 will be charged for each withdrawal to third parties in excess of three during a statement cycle.