Consumer Savings Account

• Minimum of $ 100 to open
• Minimum daily balance to avoid maintenance fee: $100
• No more then 6 withdrawals or transfers per month
• Unlimited withdrawals made in person, by mail, or at an ATM
• No monthly service charge for primary owners 18 and younger
• Interest bearing – adjustable rate
• Interest compounded and credited quarterly

Christmas Clubs

• $5, $10, and $20 club options available
• If 49 payments are made by the designated date, the bank will contribute the 50th payment in October.
• Withdrawals are prohibited unless approved by a bank officer, there will be a $10 penalty
• An automatic debit plan is available that will transfer the payment for you

Certificates of Deposit

• Excellent and safe investment option
• We offer a variety of terms and rates
• Stop by one of our three convenient locations for more details

IRAs

• Prepare for your retirement
• Provides tax advantages for retirement savings
• Stop by one of our three convenient locations for more details

Safe Deposit Boxes

• Various sizes and price structures available
• Boxes are available at our Wolcott and Monticello offices
• Stop by or call for more details