Savings and Time Deposit Accounts

Personal Savings

Maintenance fee	$5.00
Min. to open	$100.00
# of items-$ per additional	3 per month/$4.00 each additional
Balance Requirements	$300 min./$600 avg.

Minor Savings

Maintenance fee	None
Min. to open	$25.00
# of items-$ per additional	3 per month/$2.00 each additional
Balance Requirements	None
Additional Information	May be opened from birth through the age of 21. After 21 years of age the account must be converted to a regular Savings Account.

High Yield Savings

Maintenance fee	None
Min. to open	$25,000
Misc.	Tiered rates
# of items-$ per additional	3 per month/$3.00 each additional
Balance Requirements	None

Certificates of Deposit

Opening deposit	$500

Business, personal and IRA certificates of deposit are available with terms ranging from 30 days to 5 years. Simple Interest may be paid by check or transferred to another account. If funds are withdrawn prior to account maturity, a penalty will be imposed, reducing the annual percentage yield on the account.