Personal Checking

• No minimum balance
• No monthly service charge
• Monthly statements with check images
• Unlimited transactions
• Free 24 x 7 Online Banking and Telephone Banking
• ATM/Debit card available
• Overdraft protection available
• Direct deposit available

Personal NOW Account

• Interest bearing checking account
• Low opening balance
• No monthly service charge if minimum balance is maintained
• Interest compounds and is credited to the account monthly
• Unlimited check writing
• Overdraft protection is available
• Available to individuals and sole proprietors

Statement Savings

• Low daily minimum balance of $100 to avoid service charge
• $5.00 monthly service charge if balance falls below $100.00 anytime during the month
• Interest compounded and credited quarterly
• Limited to 6 preauthorized withdrawals per month
• No minimum balance required for seniors over the age of 62
• No minimum balance required for children under the age of 18
• ATM access available with DDA account and Debit card

Money Market Savings

• Tiered interest rates
• Interest compounded and credited monthly
• Unlimited withdrawals in person
• $1000.00 required to open account
• Debit transactions limited to six per statement cycle, three of which may be third party check and three transfers
• No monthly service charge as long as account maintains minimum daily balance of $2500.00 during statement cycle
• $12.00 service charge if balance falls below $2500.00

Christmas/Vacation Clubs

• Coupon books are available
• Payment can be automatically deducted from your checking account
• Interest is compounded and paid annually
• Clubs closed prior to checks issued will loose interest and be subject to a service charge

Certificates of Deposit

If you are looking to earn the most interest with the least risk, a Certificate of Deposit may be the best investment for you.

• Maturities on CD’s range from 30 days to 5 years
• Fixed or Variable rates are available
• Certificates are automatically renewable
• Withdrawals before maturity may be subject to an early withdrawal penalty

For a complete listing of our CD terms and rates click here. If you prefer you may stop by any of our offices or call our customer service representative at (570) 544-4787.

Individual Retirement Account

All Retirement Accounts are FDIC insured to $250,000.00

Your retirement is too important to be left to the uncertainty of the stock market and other investments.  Take control of your financial future. We can handle all types of IRA accounts including:

Traditional IRA*
If you are younger than age 70 ½ for the entire tax year and you, or your spouse, have earned income, you are eligible to establish a traditional IRA* 

• Certificates of Deposit IRA 
  • Maturities from 1 year to 5 years
  • $500.00 minimum deposit 
• Savings Account IRA
  • $100.00 minimum deposit
  • Can be funded anytime during the year
     

Roth IRA*
For a ROTH IRA you, or your spouse, must have earned income, and your modified adjusted gross income (MAGI) cannot exceed certain prescribed limits.*
- Maturities from 1 year to 5 years
- $500.00 minimum deposit

• SEP (Simplified Employee Pension Plan)
  • Maturities from 1 year to 5 years
  • $500.00 minimum deposit
• Educational IRA
  • $100.00 minimum balance
  • Additional deposits added anytime 

* Subject to IRA Rules and Regulations, please consult your tax advisor.

Personal Loan Products

• New & Used Automobile
• Travel Trailer & Campers
• Boat
• Motorcycle
• CD and Savings Secured
• Overdraft Lines of Credit
• Other Secured
• Unsecured 
• Fixed rate home equity
• Home equity lines of credit
• Residential Building Lots
• Residential Construction
• Residential Mortgages