Bank Products

USA Patriot Act Section 326

Bank Secrecy Act

With the passage of the USA Patriot Act, we must verify the information you give the bank as you open a new account.  We must verify the information by looking or copying your drivers license or social security card.  This information will remain confidential.

     * All rates effective as of July 29, 2014

Regular Checking Account

  • Unlimited checking, no service charge
  • First 50 checks free to new customers

Now Account

  • Interest bearing*
  • Minimum balance, $750.00
  • Unlimited checking
  • Service charge, if below $750.00
  • First 50 checks free to new customers

 



Interest

Rate


Annual

Percentage

Yield

NOW .15 .15

 

           * Rates may change without notice according to current market

           rates.

          * Fees may reduce earnings

Money Market Account

  • Interest bearing*
  • Minimum balance, $2,500.00, or savings account rate, if below minimum balance
  • Limit of three checks and three transfers per month
  • Service charge, if below $750.00
  • First 50 checks free to new customers

 



Interest

Rate


Annual

Percentage

Yield

$2,500 - $24,999 .15 .15
$25,000 -  $99,999 .30 .30
$100,000 & UP .40 .40

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

* Rates may change without notice according to current

market rate.

* Fees may reduce earnings

 

Savings

  • Current rate, compounded

 



Interest

Rate


Annual

Percentage

Yield

Savings .15 .15

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

* Rates may change without notice according to current market rates.

Certificates of Deposit (CDs)

 


Term


Interest

Rate


Annual

Percentage

Yield


Minimum
3 Months .35 .35 $2500
6 Months .35 ..35 $2500
12 Months .50 .50 $1000
24 Months .75 .75 $500
36 Months 1.00 1.00 $500
60 Months 1.40 1.40

$500

substantial penalty for early withdrawal

         

         * Rates may change without notiec according to current

          market rates.

 

IRA Accounts

  • Traditional
  • Roth

 

Term

Interest

Rate

Annual

Percentage

Yield

Minimum

12 months

Certificates

1.25 1.25

$500

substantial penalty for early withdrawal

        

           * Rates may change without notice according to current

           market rates.          

              

Loans

  • Agricultural
  • Young Farmer Loans (IADA)
  • Machinery
  • Livestock
  • Commercial
  • Home Improvement
  • Auto
  • Personal
  • Student Loans
  • Real Estate Loans

Other Products

  • Shazam debit / ATM Cards