Personal Banking
We have many accounts to meet all of your personal banking needs.

Some of the accounts that we offer are listed below:

Free Checking *

• No Monthly Service Charge
• No Minimum Balance
• Free Cash Card

  * A non-interest bearing account for consumers.  Checks must be purchased.

Superior Gold Checking

• Age 55 and over
• No Monthly Service Charge
• No Minimum Balance
• Many services provided at No Charge.
• First order of safety checks at no charge
• Occasional day outings (ask for details)

Interest Bearing Checking Accounts - Variable rate

• Personal NOW Checking
• Superior Gold NOW Checking
• Service charge applies if Average Daily Balance is below $1,500.00. Disclosure available upon request.

Statement Savings

• No minimum balance
• Interest Compounds quarterly
• A $2.00 per month maintenance fee applies if average daily balance is below $200.00

Mighty Moose Savers Club

• Children ages 12 and under
• Initial deposit of $25.00 to open account
• Each additional deposit of $5.00 earns a point
• Save points and win prizes
• Club parties held seasonally
• Interest compounds quarterly

Money Market Savings Account

• $2,500.00 deposit required to open account
• $5.00 per month if average daily balance falls below $2,500.00
• Interest compounded monthly

Certificates of Deposit

• 90 Day Investor CD (3 Months) Rate changes weekly.
  • Minimum balance of $10,000
• 182 DAYS (6 MONTHS)
  • Minimum Balances of $1,000.00, $5,000.00 or $10,000.00.
  • Rates vary with balance.
    • 1 YEAR - Minimum Balance of $1,000.00
    • 2 YEAR - Minimum Balance of $1,000.00
    • 3 YEAR - Minimum Balance of $2,500.00
    • 5 YEAR - Minimum Balance of $2,500.00

IRA Accounts

Traditional IRA Accounts

This account allows you to defer taxes on your earnings. Also, contributions may be tax deductible for the tax year in which they are made. The IRA deposit limits have increased to $4,000.00 per individual/year and $5,000.00 per year for individuals 50 years old and over. Contribution amounts can vary depending on your income level.
 
Roth IRA Accounts

This account features tax-free withdrawals after reaching age 59 1/2 and maintaining your ROTH for 5 years. When you take a distribution at that time, you pay no taxes on any of the earnings that your money has accumulated.

Contributions to a Roth IRA are not tax deductible.

Contact your tax advisor to find out how an IRA could help you meet your financial goals.