If you have suffered loss of income or business due to COVID-19, contact your loan officer about our modification program.


Home Folks with Interest


  • $1,000.00 minimum to open account
  • $1,000.00 balance required to avoid a service charge
  • A Monthly AD&D Insurance Fee will be charged each statement cycle for accidental death/dismemberment insurance regardless of account status.
  • Monthly service charge of $5.00 if the balance falls below $1,000.00 on any day during the monthly statement cycle.



$10,000.00 Policy


$20,000.00 Policy


$30,000.00 Policy


The insurance portion of this account is: not a deposit, not FDIC insured, not insured by any federal governmental agency, not insured by the Bank.

Features & Charges

Cashier's Checks

No Charge (Limit 5 per month)

Photo Copies

No Charge (Limit 10 per month)

Outgoing Wire Transfers

$10.00 per item

Statement Period


Check printing

Cost varies depending on the style of the checks ordered.

Overdraft Charge

$30.00 per item

Nonsufficient Funds (NSF) Charge

$30.00 per item

Stop Payment Charge

$22.00 per item

Deposit Check Return Charge (Charge Back)

$3.00 per item

Method of Computation

Daily Balance

Interest Compounded


Interest Credited


Accrual of Interest on non-cash deposits

Interest begins to accrue when funds are collected


Contact Us

Interest Rate & Annual Percentage Yield information see Investment Products

The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

If you close your account before the Interest is credited, you will receive the accrued Interest up to, but not including, date of closure.

Your Interest Rate and Annual Percentage Yield may change. At our discretion, we may change the Interest Rate on your account at any time.