| Personal Banking - Deposit Products |
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| Personal Checking |
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| Basic Checking |
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| Our convenient basic checking account includes the following features: |
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- No transaction limitations
- Free with direct deposit
- Free with maintained balance of $300 during your statement cycle
- Checks can be printed on-site and available within 2 business days
- Debit / ATM card available for your convenience
- Cash reserve features available
- Automatic payments can be deducted from account
- Online banking including online BillPay
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| Senior Checking |
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| At age 60 you qualify for a Senior Checking Account. This rewarding checking account
includes the following features: |
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- No minimum balance requirement
- No monthly service charges
- Free checks
- Monthly statement with your cancelled or substitute checks
- Debit / ATM card available for your convenience
- Direct deposit available
- Automatic Payments
- Online banking
- Buzz telephone banking
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| Debit / ATM Card |
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The Visa Check card is available with any of our checking accounts. The card allows you to get cash at thousands of
ATMs worldwide and to aslo transact purchases without writing a check.
| Convenient |
- No more waiting in line for check approval
- No identification necessary for purchases
- No writing checks
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| Safe |
- You don't always have to carry excess cash because you can always use your check card to get
cash at thousands of ATMs worldwide.
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| Inexpensive |
- Monthly Fee: $1.00 per month
- Transaction fee for purchases: none
- Transaction fee for cash withdrawals at our ATMs in Groton and Moravia: 6 free per cycle
$1.00 each starting with the 7th withdrawal
- Transaction fee for cash withdrawals at other institutions' ATMs: 4 free per cycle
$1.00 each starting with the 5th withdrawal.
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| Money Market Checking Account (MMCA) |
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| If you want a checking account that earns interest, this is the account for you. Its features include: |
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- No service charge if $1,000 balance is maintained
- ATM/Debit card available
- Interest compounded daily
- Interest paid at statement cycle end
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| Personal Savings |
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| Passbook and Statement Savings Accounts |
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| Easy to use savings account with: |
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- Variable interest rate
- No minimum deposit required to open
- Easily access your interest-earning funds
- Statement or Passbook
Interest compounds daily and is credited to your account on the last business day of each quarter. |
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| Youth Savings |
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| Available to those 18 and under. No minimum balance. Free coin book and piggy bank. |
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| Club Account |
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This club savings account with variable interest allows you to make deposits of any amount during the Club year. At the end of the Club year (end of October) we will send you a check for the account balance including interest.
Interest compounds daily and is credited to your account at maturity. |
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| Money Market Investment Account (MMIA) |
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This tiered money market investment account gives you a greater interest return than on the basic savings account, yet
still allows you to make transactions.
Interest compounds daily and is credited to your account on the last business day of each statement cycle. |
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| Certificate of Deposit (CD) |
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| This investment account |
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- Higher Interest Rates
- Fixed Rates
- Maturity from 3 months up to 5 years
- Automatically renew (except Renewable Once CD)
Interest compounds daily and is credited by check, to another account or accumulatedat different times based on the CD
term and type. No deposits may be made prior to maturity. |
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| Individual Retirement Account (IRA) |
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Our individual retirement accounts are in CDs and automatically renew at maturity. Our variable rate IRAs allow you to
make deposits at any time, while our fixed rate IRAs allow you to make deposits at maturity.
Interest compounds daily and is credited to your account each quarter. |
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| Top of Page |
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| Click here for current rates |
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