Money Market
The account that provides you access to your money by check while your dollars earn interest at competitive rates.

• No minimum deposit to open
• Earns interest (Interest is calculated on the daily balance and paid monthly)
• Minimum monthly balance to avoid service fee is $2,500.00
• Service fee if balance falls below minimum is $5.00
• ATM/check card available
• Free check imaging and a complimentary binder
• Free 24-hour account access with First Telebanking
• Free 24-hour on-line banking with First Net Banking
• Transaction limits and fees:

You are allowed 6 checks, drafts, debit card, automatic, preauthorized or telephone transactions per month. There is a $2.50 charge for each transaction over 6. You may have unlimited withdrawals in person or by mail.

Dormant Fee- If your Money Market account has no activity for 1 year, the account may be subject to a $10.00 per month fee.

Savings
This account earns interest at a competitive rate based on current market conditions.

• No minimum deposit to open
• Earns interest (Interest compounded daily and paid quarterly)
• Quarterly statement
• Free 24-hour account access with First Telebanking
• Free 24-hour on-line banking with First Net Banking
• Convenient electronic deposit and pre-authorized payment processing
• Automatic transfers between selected accounts
• Transaction limits and fees:

You are allowed no more than 6 automatic, preauthorized, or telephone transfers per month, including drafts or debit card transactions. There is a $2.50 charge for each transaction over 6. You may have unlimited withdrawals in person or by mail.

Dormant Fee- If your savings account has no activity for 1 year, the account may be subject to a $10.00 per month fee.

All-Star Savers
This savings account is for children 0-12 who want to learn basic banking, plus have lots of fun. It is a unique savings plan that provides incentives and rewards for saving. Your account is your membership to our All-Star Club. Our club entitles you to the following:

• No minimum deposit to open
• Earns interest (Interest compounded daily and paid quarterly)
• Free All-Star T-shirt with $5.00 initial deposit
• Free membership card
• Free quarterly newsletter
• Quarterly statement
• Free activities such as bowling, swimming and other fun events
• Transaction limits and fees:

You are allowed 6 pre-authorized, automatic or telephone transfers per month; a $2.50 charge for each transaction over 6.

A 10 point coupon is given when a deposit is made (one a week) and these coupons can be used to receive All-Star prizes for FREE.

Dormant Fee- If your savings account has no activity for 1 year, the account may be subject to a $10.00 per month fee.

Christmas Club
Save all year long and enjoy the holidays to the fullest with a Christmas Club account!

• No minimum deposit to open
• Receive a free gift
• Earns interest (Interest compounded daily. No interest paid for early withdrawal.)
• Checks are mailed the first week of November
• Automatic transfers between selected accounts

Certificates of Deposit (CDs)
A Certificate of Deposit is a solid investment of your money because you earn interest at a competitive rate.

• Your choice of term from 7 days to 36 months; minimum deposit required depending on term.
• Interest is earned on your Certificate of Deposit based on the term of the certificate*
• Your interest can be automatically deposited into your account

*In the event of early withdrawal, a penalty may be required.

Individual Retirement Accounts (IRAs)
An IRA is a personal tax shelter that helps you save and plan for your retirement.

• No minimum deposit to open
• Your choice of term from 7 days to 48 months
• Fixed or variable rate
• Offer both Self-Directed and Managed IRA plans
• Roth IRAs
• Tax Deductible IRAs
• Retirement Plan Rollover IRAs including:
• 401 (k) Plans
• 403 (b) Plans
• Profit-Sharing Plans
• Other IRA Rollovers