Personal Savings 
Regular Savings Account
- Minimum opening deposit: $100
- No monthly service charge
- No minimum balance
- 3 withdrawals per month; $1 each after 3
- Interest: Ask about current rates
Christmas Club Account
- No minimum opening deposit
- Interest: Ask about current rates.
- Interest forfeited for early withdrawal
Certificate of Deposit
- Minimum opening deposit: $1,000
- No minimum balance
- No monthly service charge
- Interest: Ask about current rates
- Substantial penalty for early withdrawal
IRAs
- Tax deferred income
- Fixed and Variable available
- Federal penalty for early withdrawal
General Services
Money Orders $5.00 each
Cashier Checks $5.00 each
Safe Deposit Box Fee varies by size of box
Savings Bonds No Issue Charge
VISA Travel Card $9.95 to open.
VISA Gift Card $4.99 to open
Wire Transfers $15.00 ($60 International)
Research fee $15 per hour, $3 per item
Dormant Fee $10.00 per year
