Personal Savings 
Regular Savings Account
- Minimum opening deposit: $100
- No monthly service charge
- No minimum balance
- Excess withdrawal fee of $5 each after 6 monthly withdrawals
- 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
Official Bank Checks
Dormant Fee $10 semi-annually (May & November) if balance falls below $10.00
