DEPOSIT SERVICES:

Passbook Savings - Minimum balance to open is $25.00
	Balance required to earn the current APY is $50.00
	Daily compounding
	Pays interest quarterly
	Current Interest Rate : 1.50%, APY: 1.51%
	No service fees
	No early withdrawal penalties
	No limitation on number of withdrawals

Money Market Deposit Accounts - Minimum balance $1,000.00
	Variable rate
	Daily compounding
	Pays interest monthly
	Monthly statement
	Three personal checks allowed per month
	Unlimited in-person access to your funds
	No early withdrawal penalties
	No service fees

Certificiates of Deposit (CD's) -
		Terms	Minimum Balance
		3 Months	$1,000.00
		6 Months	$1,000.00
		12 Months	$500.00
		18 Months	$500.00
		24 Months	$500.00
		30 Months	$500.00
		36 Months	$500.00
		48 Months	$500.00
		60 Months	$500.00
	Call or email for our current rates.
	All CD's feature daily compounding of interest. All CD's are subject to early withdrawal penalties.

NOW Accounts (Checking)
	Minimum balance to open $200.00
	Interest earned on balances $200.00 or greater
	Monthly statement
	No service charge with a minimum daily balance of $200.00. Below $200 daily balance, a $10.00 per month service charge will apply.


"Sixty-Plus" Free Checking Accounts (Senior Citizens)
	Minimum balance to open $200.00
	Interest earned on any balance at 1.00%, APY 1.01%
	Monthly statement
	No service charge
	Free "Sixty-Plus" checks

Individual Retirement Accounts (IRA's)
	Offer Passbook Saving and all Certificates of Deposits as Individual Retirement Accounts

Christmas Club Savings
	Passbook Savings - Minimum balance to open is $25.00
		Balance required to earn the current APY is $50.00
		Daily compounding
		Pays interest quarterly
		Current Interest Rate : 1.50%, APY: 1.51%
		No service fees
		Annual distribution of funds on Monday before Thanksgiving