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Personal Accounts
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CHECKING ACCOUNTS |
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FAMILY VALUE |
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Minimum deposit to
open this account: $100.00
This account is our basic checking account.
When you open a Family Value Checking account, you will receive
a year's worth of checks free
(4 vouchers for 1 box of plain checks each). You must maintain a minimum balance
of $500.00 in the account each day of the statement cycle in order to
avoid a service charge fee of $8.00. The service charge will be waived for senior
adults age 50 and older and students.
A VISA® Check Card is available with
this account.
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FAMILY DELUXE |
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Minimum deposit to
open this account: $100.00
This is an interest-bearing* checking account. You must maintain a minimum balance of
$1,000.00 in the account each day of the statement cycle in order to
obtain the disclosed annual percentage yield. Interest will be
compounded and credited to your account every statement cycle.
You must maintain a minimum balance of $500.00 in the account
each day of the statement cycle in order to avoid a service
charge fee of $8.00.
A VISA® Check Card is available with
this account.
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SAVINGS ACCOUNTS |
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REGULAR SAVINGS
ACCOUNT |
| Minimum deposit to
open this account: $100.00 This
is an interest bearing savings account*. You must maintain
a minimum balance of $10.00 in the account each day of the
statement cycle
to receive the disclosed annual percentage yield. Interest
will be compounded and credited to your account every quarter.
If your account is closed in the middle of a quarter, you will
receive the interest that has already accrued. A
maintenance fee of $1.50 will be imposed each month if the daily
balance of the account falls below $100.00. An excessive
withdrawal fee of $5.00 will be charged for each withdrawal in
excess of three during a month.
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CHRISTMAS CLUB |
| Minimum deposit to open this account:
$5.00 This is an interest
bearing savings account*. When you open this account, you
will be issued a coupon book that you use to make regular
deposits into the account. Then, around the second week in
October, you are issued a check for the balance of the account.
There is no better way to save for Holiday shopping!
You must maintain a minimum balance of $5.00 in the account each
day to receive the disclosed annual percentage yield.
Interest will be accrued daily and credited to your account at
the end of the plan year. We use the daily balance method
to calculate interest on your account. This method applies
a daily periodic rate to the principal in the account each day.
Christmas Club accounts are not considered transaction accounts
so only deposits will be accepted. The only permissible
withdrawal is a closing withdrawal. If you close your
account before interest is credited, you will not receive the
accrued interest.
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MONEY MARKET ACCOUNTS |
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PREMIER MONEY MARKET |
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Minimum deposit to
open this account: $2,500.00
This is an interest-bearing checking account
with limited transactions*. You must maintain a minimum balance
of $2,500.00 in the account each day of the statement cycle in order to
obtain the disclosed annual percentage yield. Interest will be
compounded and credited to your account every statement cycle. A
maintenance fee of $10.00 will be imposed each statement
cycle if the daily balance for the cycle falls below $2,500.00.
Transfers to another account or to third parties by
preauthorized, automatic, or telephone transfers are limited to
6 per statement cycle with no more than 3 by check,
draft, or similar order to third parties. An excessive
withdrawal fee of $10.00 will be imposed for each transaction in
excess of the above limitations.
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CREDIT CARDS |
See us today and apply for a Family Bank VISA® or MasterCard®.
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CERTIFICATES OF DEPOSIT |
We offer a wide variety of CDs with terms
ranging from 91 days to 5 years. See one of our customer
service representatives for details and current rates.
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INDIVIDUAL RETIREMENT ACCOUNTS |
We offer both Traditional and Roth IRAs.
See one of our customer service representatives for details and
current rates.
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SAFE-DEPOSIT BOXES |
We have safe-deposit boxes available at all
three locations in a variety of sizes. Stop by one of our
locations for more details.
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Business Accounts
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CHECKING ACCOUNTS |
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BUSINESS CHECKING
ACCOUNT |
| Minimum deposit to
open this account: $100.00
This is our basic, non-interest bearing
business account with some benefits. You must maintain a minimum balance
of $2,500.00 in the account each day of the statement cycle in order to
avoid a service charge fee of $10.00. A fee of $0.20 per
item will be charged for each item in excess of 100 during the
statement cycle.
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MONEY MARKET ACCOUNTS |
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BUSINESS MONEY
MARKET ACCOUNT |
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Minimum deposit to
open this account: $5,000.00
This is an interest-bearing checking account
with limited transactions*. You must maintain a minimum balance
of $1,000.00 in the account each day of the statement cycle in order to
obtain the disclosed annual percentage yield. Interest will be
compounded and credited to your account every statement cycle. A
maintenance fee of $10.00 will be imposed each statement
cycle if the daily balance for the cycle falls below $5,000.00.
Transfers to another account or to third parties by
preauthorized, automatic, or telephone transfers are limited to
6 per statement cycle with no more than 3 by check,
draft, or similar order to third parties. An excessive
withdrawal fee of $5.00 will be imposed for each transaction in
excess of the above limitations.
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CREDIT CARDS |
See us today and apply for a Family Bank Business VISA® or
MasterCard®.
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*Interest rates subject to change at any time. |
