Personal Savings Accounts 
Regular Savings
- Minimum opening balance: $100.00
- Interest paid quarterly
- Statements quarterly
- If balance falls below $100 at any time during the month, there is a $2.00 service fee monthly.
- $5.00 Charge Per Excess Withdrawal After 10 Per Month.
Christmas Club
- Maximum deposit of $2,500 per year
- Checks issued first week of November
- Penalty for early withdrawal
- Dormant Fee: $10.00 per year if balance falls below $100.00
