Deposit Accounts

Click here for a printable version of this page (PDF)

Community Free Checking
A checking account designed for the customer who wants free checking and does not want to be concerned with maintaining a minimum balance in the account.

• $100 minimum opening deposit
• No minimum daily balance
• No monthly service fee
• Check Safekeeping required

Community Interest Checking
Keep a minimum balance in this account to avoid the monthly service fee, and earn interest based on your account balance.

• $100 minimum opening deposit
• $10 monthly service fee w/Check Safekeeping; $12 with checks returned
• $1,000 minimum daily balance to avoid fee
• Earns interest based on account balance

Community Checking Plus (And Plus 50, For Those Age 50 And Better!)
Designed for the person who wants to get the most out of their checking account - you'll pay a flat monthly fee, regardless of the balance you keep.  Includes free Online Bill Payment services, 5 free money orders or cash orders a month.

• $100 minimum opening deposit
• No minimum daily balance
• $8 monthly service fee w/Check Safekeeping; $10 with checks returned ($4 fee w/Check Safekeeping; $6 fee with checks returned for PLUS 50)

Statement Savings
This account has a low opening balance requirement and gives you ready access to your funds.

• $50 minimum opening deposit
• $3 monthly service fee if daily minimum drops below $100
• Monthly service charge is waived if checking account is also opened (must be set up on combined statement)
• Variable rate of interest

Community Money Market
If you want to earn a higher rate of interest for keeping higher balances, this account is for you.

• $100 minimum opening deposit
• $10 monthly service fee if daily minimum balance drops below $2,500
• $10 for each restricted transfer over 6 per month
• Tiered rates of interest based on balance in account

Community Money Market Plus
This account will earn you market rates of interest on your balance of $100,000 or more.

• $100 minimum opening deposit
• $25 monthly service fee if daily minimum balance drops below $100,000
• $10 for each restricted transfer over 6 per month
• Tiered rates of interest based on balance in account

Certificates of Deposit
If you don't need the liquidity of a money market or statement savings account, and still want to earn a high rate of interest - we offer a variety of terms to meet your needs.

• $100 minimum opening deposit
• Terms from 3 months to 5 years
• ACB 6 and 12 month terms allow add-on deposits
• Interest is compounded monthly and paid monthly or at maturity, depending on the term
• Early withdrawal penalties may apply

Individual Retirement Accounts
Saving for retirement or your child's college education?  We've got IRA accounts that meet your needs.

• $100 minimum opening deposit
• Terms of 1, 2 and 3 years
• 1 year term allows for add-on deposits
• Traditional, Roth and Coverdell (Educational) IRAs are available
• Interest is compounded monthly and paid monthly or at maturity, depending on the term
• Early withdrawal penalties may apply

CDARS
A viable alternative for those customers who want the ease and benefits of keeping all their funds in one place while still maintaining FDIC insurance on those funds.

• FDIC insurance coverage on deposits up to $50,000,000
• Single consolidated statement
• Rates competitive with other high quality, fixed income investments
• Terms of 4, 13, 26, or 52 weeks, and 2 and 3 year investments
• No direct fees to customer

Charitable Certificate of Deposit
An easy way to make a long-term impact.  Put simply, you designate a qualified charity and it continually, automatically, receives the interest over the life of the CD.  You meanwhile can get back your principal whenever you decide you need it.  Safe and protected - and FDIC insured.