Products

Products

We offer a large variety of banking products to fulfill the specific needs of each customer. Please call us with any questions you might have about any of the products listed below:

Checking Accounts

Free Checking Account

$100.00 minimum to open
No monthly fee
No annual Visa Debit Card Fees
Unlimited check writing and deposits
Image Statements and Image Checks *

Senior Checking Account

Special free checks
$100.00 minimum to open
No monthly fee
No annual Visa Debit Card Fees
Unlimited check writing and deposits
Image Statements and Image Checks *

NOW Account

This is an interest bearing checking account
$500 minimum balance (must maintain to earn interest)
$7.50 monthly service charge if balance falls below minimum
No normal monthly or annual fees
Unlimited check writing and deposits
Image Statements and Image Checks *

Gold Reserve Account

This is an also interest bearing checking account, but it has three different interest rates at three different tiers
The tiers are from $2,500.00 to $4,999.99 -- from $5,000.00 to $49,999.99 -- and from $50,000 on up
$2,500 minimum balance (must maintain to earn interest)
$20.00 monthly service charge if balance falls below minimum
Special free checks
Free cashiers checks
Free notary services
One 3 x 5 safety deposit box at no charge
No normal monthly or annual fees
Unlimited check writing and deposits
Image Statements and Image Checks *

Money Market Account

This is also an interest bearing checking account with three tiers
The tiers are from $1,000.00 to $24,999.99 -- from $25,000.00 to $99,999.99 -- and from $100,000 on up
Has better rates than other checking accounts
Limit of 6 withdrawals per month -- no more than three of them by check -- $1 charge for every check over monthly limit
$1000 minimum balance (must maintain to earn interest)
$10 monthly service charge if balance falls below minimum
No normal monthly or annual fees
Unlimited deposits
Image Statements and Image Checks *

Business Account

$100.00 minimum to open
First 10 checks processed at no charge -- Each additional check is only 10 cents
$2 monthly maintenance fee
No annual Visa Debit Card Fees
Unlimited deposits
Image Statements and Image Checks *
Can earn credit to reduce or eliminate fees

Non-profit Account

$100.00 minimum to open
No minimum required balance
50 Free Checks
No monthly fees
No annual Visa Debit Card Fees
Unlimited check writing and deposits
Image Statements and Image Checks *

Savings Products

Personal & Business Savings

$100.00 minimum to open
$3 monthly service charge if $100 minimum is not maintained
No monthly fees
Unlimited deposits
Limit of six withdrawals and transfers per month -- $1 service charge for every withdrawal beyond that
Image Statements and Image Checks *

Minor Savings

Only a $10.00 minimum to open
No minimum balance
No monthly fees
Unlimited deposits
Limit of six withdrawals and transfers per month -- $1 service charge for every withdrawal beyond that
Image Statements and Image Checks *

We also offer IRA's and CD's

Loan Products

Consumer Loans

New and Used Car Loans
RV Loans
ATV / Snowmobile / Boat Loans
HELOC Loans
Home Equity Loans
Real Estate Loans
Construction Loans
Ready Reserve Loans

Commercial Loans

Lines of Credit
Construction Loans

Small Business Association (SBA) Loans

Agricultural Loans

Misc. Information

Interest Rates -- Rates are calculated on the Average Daily Balance and may change daily. Please contact us for our current rates

*Image Statements and Image Checks -- Your monthly checking account statement includes our convenient "Image Checks". Your checks are laser printed on a page and arranged in numerical order. "Image Checks" are considered valid proof of payment but if you need an actual size copy we can provide one for you quickly.

Overdraft Protection -- For your convenience you may arrange automatic transfer of funds from other accounts to your checking account which gives you overdraft protection and instant access to your savings through your checking account in an emergency.