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Saving is important to everyone at all of life’s stages. Having something in store for retirement, growing a family, travel, college, getting a new car or doing home repairs are just a few of the things for which we save. Listed below are the types of savings and money market accounts that we offer. We encourage you call us or come into a branch to learn more about which account is best for you and your goals.


Savings Account

  • Minimum Opening Balance: $100.00
  • Minimum Balance: $100.00
  • Young Savers Minimum Opening and Minimum Balance: $25.00 (19 years or younger)
  • Quarterly Service Charge: $5.00 if daily balance falls below the minimum balance any day of the statement cycle
  • Interest: Interest is earned on daily balance. Each day your account maintains a minimum balance of $100.00 (or $25.00 for young savers) or above, you will earn interest as provided in your account disclosure for each statement cycle
  • Withdrawals: An excess debit fee of $1.50 will be charged for each posted, covered withdrawal or transfer in excess of six (6) per statement cycle. (An excess debit fee of $1.50 will NOT be charged for each posted, covered withdrawal or transfer in excess of six (6) per statement cycle for young savers.)
  • Quarterly Statements: Check Image eStatements or mailed check image statements
  • Online Banking available
Current Interest Rates effective as of January 12th, 2018

Savings Account 
Rate*: 0.10%
APY**: 0.10%

Young Savers Account 
Rate*: 0.10%
APY**: 0.10%


Money Market

  • Minimum Opening Balance: $1,000.00
  • Minimum Balance & Monthly Service Charge:
    - $1,000.00 and above: No Service Charge
    - $0.00-$999.99: $10.00
  • Above charges applicable if daily balance falls below the minimum balance any day of the statement cycle
  • Interest: Interest is earned on daily balance. Each day your account maintains a minimum balance of $1,000.00 or above, you will earn interest as provided in your account disclosure for each statement cycle
  • Withdrawals: An excess debit fee of $10.00 will be charged for each posted, covered withdrawal or transfer in excess of six (6) per statement cycle
  • Monthly Statements: Check Image eStatements or mailed check image statements
  • Online Banking available

Current Interest Rates effective as of January 12th, 2018

$0.00 - $999.99
Rate*: 0.00%
APY**: 0.00%

$1,000.00 and Above
Rate*: 0.10%
APY**: 0.10 %


American Advantage - Money Market

  • Minimum Opening Balance: $10,000.00
  • Minimum Balance & Monthly Service Charge:
    - $10,000.00 and above: No Service Charge

    - $0.00-$9,999.99: $10.00
  • Above charges applicable if daily balance falls below the minimum balance any day of the statement cycle
  • Interest: Interest is earned on daily balance. Each day your account maintains a minimum balance of $10,000.00 or above, you will earn interest as provided in your account disclosure for each statement cycle
  • Withdrawals: An excess debit fee of $10.00 will be charged for each posted, covered withdrawal or transfer in excess of six (6) per statement cycle
  • Monthly Statements: Check Image eStatements or mailed check image statements
  • Online Banking available

Current Interest Rates effective as of January 12th, 2018

$10,000.00 - $99,999.99
Rate*: 0.10%
APY**: 0.10%

$100,000.00 - $199,999.99
Rate*: 0.30%
APY**: 0.30%

$200,000.00 - $349,999.99
Rate*: 0.55%
APY**: 0.55%

$350,000.00 and Above
Rate*: 0.75%
APY**: 0.75%



Summary of Accounts
  • Terms & Fees may change without prior notice
  • Minimum balance required to avoid service charge and qualifications may apply. Account disclosures obtained when opening account contain complete account details
  • See Schedule of Fees for other applicable charges
  • Fees and other conditions may reduce the earnings on your account
  • We may require not less than 7 days’ notice before each withdrawal from an interest-bearing account other than a time deposit or from any other savings account as described by Regulation D
  • Federal regulations restrict the number of covered withdrawal and transfers to six (6) per calendar month or statement cycle. A covered withdrawal or transfer is one made with our bank or to a third party including preauthorized transfer, automatic transfer, by telephone, including fax, or internet banking service (transfer or bill payment): or if made by check, ACH, debit card (point of sale) or similar order payable to third parties
  • If your transaction volume exceeds the minimum setup for your account, your account may be converted to another account type
  • *Interest Rates are subject to change without prior notice. For current interest rates call 1.866.579.7959.
  • **APY = Annual Percentage Yield

Online Banking

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Since 1911, we have been locally owned and have served our community with a firm foundation and solid financial backing. 

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