Personal Accounts

Personal Checking Accounts

We have Personal Checking Accounts to match your needs. Choose the account that is the best fit for you.

AccountsRegularNOWMoney Market
Minimum Balance Daily Minimum Balance of $300.00 Daily Minimum Balance of $1,200.00 Daily Minimum Balance of $2,500.00
Maintenance Charge A fee of $2.50 and $.12 per debit item is charged if you do not meet the Minimum Balance during your statement cycle. A fee of $2.50 and $.22 per debit item is charged if you do not meet the Minimum Balance during your statement cycle. A fee of $5.00 and $.25 per debit item is charged if you do not meet the Minimum Balance during your statement cycle.
Debit Card Limits

Cash Withdrawal: $500 per day

Point of Sale: $750 per day

Cash Withdrawal: $500 per day

Point of Sale: $750 per day

Cash Withdrawal: $500 per day

Point of Sale: $750 per day

Additional Terms Account holders under 22 years of age will not be assessed a maintenance charge The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account.
Unlimited Deposits Yes Yes Yes

Personal Savings Accounts

Want to save for your future? Have a special event? A dream vacation? Start saving with us today! 

AccountsRegularYoung Farmer Savings
Minimum Balance Daily Minimum Balance of $200.00 No Minimum Balance
Maintenance Charge A quarterly fee of $7.00 is charged if you do not meet the Minimum Balance during your statement cycle. No Maintenance Charge
Excess Withdrawals A fee of $3.00 will be charged for each withdrawal in excess of 3 per quarter A fee of $3.00 will be charged for each withdrawal in excess of 3 per quarter
Additional Terms The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account.

This account is specifically designed as a minor account.  The account will be converted to a Regular Savings account upon the owner turning 18 years old.

The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account. 

Unlimited Deposits Yes Yes

Certificates of Deposit

  • $500 minimum deposit
  • Terms from 90 days to 60 months
  • Automatic renewal
  • Interest compounds at maturity or annually, whichever comes first
  • Early withdrawal penalties vary with term

Please call for our current rates

Individual Retirement Account (IRA)

Compare our IRA options 

Traditional IRA

  • Make pre-tax contributions now, then pay taxes on withdrawals during retirement
  • $500 minimum balance
  • No maintenance charge
  • One - Five year terms

Roth IRA

  • Make post-tax contributions now, then make tax-free withdrawals during retirement
  • $500 minimum balance
  • No maintenance charge
  • One - Five year terms

Please call for current rates

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