Holiday Hours

On Wednesday, December 31, 2025, New Year's Eve, we will be open during normal business hours all day. Thursday, January 1, 2026, we will be closed in observation of New Year's Day. We will resume normal business hours on Friday, January 2, 2026. Thank you!

FDIC Digital Sign, using the official FDIC wordmark. This digital sign indicates the deposit institution is backed by the full faith and credit of the US government.

Savings Accounts

Account Options for All Ages

Comparison table of personal savings accounts
  Smart Savings Money Market Savings Junior Savings Christmas Club Savings
Ideal customer For savers who maintain lower balances For savers who maintain higher balances and want a higher interest rate For savers who are 18 years old or younger For savers who want to set aside money for the holidays at a premium interest rate
Minimum opening deposit $10 $1,000 $10 $10
Monthly balance to maintain $10 $1,000 None! None!
Monthly fee $1 (if account balance falls below $100) $2 (if account balance falls below $1,000) None! None! ($5 dormancy fee charged if account is dormant for 1 year)
Number of free withdrawals per month unlimited 3 (additional withdrawals cost $1 each) unlimited None (full balance is sent via check in mid-October)
Free Online Banking Yes Yes Yes Yes
Free direct deposit Yes Yes Yes Yes
Savers card incentive (to earn gift certificates to local businesses)     Yes
 		  
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