Personal Deposit

Checking

Red

  • Interest Bearing
  • First set of checks free
  • Free Cashier's Checks
  • $1,000 Opening Deposit
  • $1,000 Minimum Balance to avoid monthly Service Charge
  • Monthly Service Charge $10

White

  • Non-Interest Bearing
  • Free Checks
  • Free Cashier's Checks
  • $100 Opening Deposit
  • Monthly Service Charge $8

Blue

  • Non-Interest Bearing
  • $50 Opening Deposit
  • No Monthly Service Charge if enrolled in e-statements
  • Monthly Service Charge $3

Silver

  • For those 60 years old and older
  • Minimum to open $25

Savings

Liberty Savings

  • Minimum Opening Deposit $50
  • Interest rate is variable
  • You are allowed six pre-authorized withdrawals per statement period. You may make unlimited over-the-counter deposits and withdrawals

Christmas Club

  • Maximum monthly deposits to not exceed $500
  • Variable Interest Rate
  • No minimum opening balance
  • Balance plus interest dispersed each November
  • No withdrawals permitted without total forfeiture of interest also results in closed account
  • Must have a current banking relationship

Dream Savings - Vacation Club

  • Maximum monthly deposits to not exceed $500
  • Variable Interest Rate
  • No minimum opening balance
  • Balance plus interest dispersed each May
  • No withdrawals permitted without total forfeiture of interest, also results in closed account
  • Must have a current banking relationship

Stars and Stripes Club - Kids Club Account

  • Receive Piggy Bank and savings book at opening
  • Earn stickers and other surprises with each deposit
  • Available for customers 18 years old and younger
  • Variable Interest Rate
  • $50 Opening Deposit
  • You are allowed six pre-authorized withdrawals per statement period. You may make unlimited over-the-counter deposits and withdrawals

Time Deposits

Certificates of Deposits

  • Competitive fixed interest rates at flexible terms
  • Automatic renewal available
  • Interest may be compounded or disbursed
  • Penalty may apply for early withdrawal
  • FDIC Insured

Roth IRA

  • Fixed or variable interest rates
  • 18 month terms
  • Interest earnings are tax free
  • Contributions are not tax deductible
  • Interest compounds quarterly
  • Penalty may apply for early withdrawal
  • FDIC Insured

Traditional IRA

  • Fixed or variable interest rates
  • 18 month terms
  • Interest earnings may be tax deferred until withdraw
  • Contributions are tax deductible
  • Interest compounds quarterly
  • Penalty may apply for early withdrawal
  • FDIC Insured

Coverdell Education Savings Account (ESA)

  • Save for a child's future education expense
  • Variable interest rates
  • 18 month terms
  • Tax deductible contributions
  • Grows tax free and no tax imposed at withdrawal
  • Make contributions until the child is 18
  • Balance must be used for qualified education expense prior to the recipient's 30th birthday
  • Penalties for non-qualified expenses may apply
  • FDIC Insured