Regular Savings | Golden Savings | Money Market | CDs | IRAs

This is our most flexible savings plan. At our discretion, rates are subject to change weekly with interest compounded and credited quarterly. The bank shall, upon opening the account, issue to the depositor a record book which is to be maintained by the depositor. The account interest cycle will be indicated inside the depositor record book.
 

Type of Account	Daily Minimum Balance To Avoid Maintenance Fee	Maintenance Fee If Applicable	Minimum Balance Required To Open Account
Individuals  (over 18)	$100.00	$7.00 per quarter $2.00 per debit after 9 per quarter (always applicable)	$50.00
Individuals  (under 18)	no minimum  requirement	$2.00 per debit after 9 per quarter (always applicable)	$10.00

The bank may allow monies to be withdrawn from regular savings accounts at any time without previous notice, but it reserves the right to demand notice of withdrawal of not to exceed sixty (60) days on any or all accounts, whenever in the sole opinion of the Bank or its Officers the same may be deemed advisable. Payments made by the Bank without notice having been filed shall not constitute a waiver of its right to require such notice thereafter. Failure to demand payment at the bank within five days after the expiration of the notice shall constitute a waiver of such notice, and a new notice may be required.