Savings

Are you a saver or a spender? No matter which you are, we can all agree having some kind of savings is important. Whether it's building up savings for an emergency, a big purchase or retirement dreams, we have a savings solution to help. We want to work with you on providing the right solution for your savings needs.

Building your savings takes time and along the way there are many ups and downs. Unexpected car and home repairs or medical expenses are going to happen. The best way to build savings is to have a disciplined approach. 

A widely accepted first step is to establish an emergency savings fund. How much you save in this account is up to you and varies based on your situation. To help you get motivated check out this article on building an emergency fund from our Financial Articles page.

Start reaching your savings goals.

Open an Account Today

Peoples Choice Savings

Being prepared for life's little interruptions is an important step in building your financial game plan. Our Peoples Choice Savings account is a great option for you to use in building emergency savings or keeping your extra spending money separated out of your checking account.

  • $50 minimum deposit to open
  • $100 minimum balance to avoid $5 monthly service charge
  • Interest compounded quarterly
  • Quarterly statements
  • Withdrawals in excess of 6 per cycle will be charged $2.00 each
  • Limited Transactions*

Youth Savings

Help the special child in your life begin saving with our Youth Savings account. With only a $10 opening deposit, this account is easy to get started and can make a lifelong impact.

  • For children under 18 years of age
  • $10 minimum deposit to open
  • No minimum balance requirement
  • Interest compounded quarterly
  • Quarterly statements
  • Withdrawals in excess of 6 per cycle will be charged $2.00 each
  • Limited Transactions*

​Christmas Club

Budgeting for Christmas spending has never been easier. This is one of our most popular accounts and can make a huge impact on bringing Christmas cheer this December.

  • $25 minimum deposit to open
  • Set up automatic deposits weekly, bi-weekly or monthly
  • Competitive rate of interest earned
  • Early closeout fee of $20.00
  • Automatic transfer back into primary account annually mid November

Peoples Choice Money Market

A Money Market account combines the access of a checking account with the benefits of a savings account. The Peoples Choice Money Market is a great option for those who want to save but may need to write an occasional check. 

  • Competitive interest rate
  • $1,000 minimum opening deposit
  • $1,000 minimum balance to avoid $10 monthly service charge
  • Limited Transactions**

Relationship Money Market

Our Relationship Money Market pays a higher interest rate and requires a higher minimum balance requirement than the Peoples Choice Money Market. Designed for those who carry higher balances but still need access to their cash.

  • $2,500 minimum deposit to open
  • $2,500 minimum balance to avoid $10 monthly service charge
  • Interest paid based on following tiers:
    • $.01-$24,999
    • $25,000-$49,999
    • $50,000-$99,999
    • $100,000-above
  • Limited transactions**

Certificates of Deposit

CD's are ideal for people who want to get a locked in rate for a set period of time. A great option for saving towards a specific purchase or earning a higher rate of interest.

  • $1,000 minimum opening deposit
  • Maturities range from 30 days to 5 years
  • Substantial penalty for early withdrawals
  • All CDs are automatically renewable

Individual Retirement Accounts

IRA's are a fantastic way to save for retirement or maintain retirement savings while retired. Offering fixed rates for a set period of time, our IRA's help your retirement money grow.

  • $1,000 minimum opening deposit
  • Must be under 70 1/2 years old and have earned income
  • Substantial penalty for early withdrawal under age 59 1/2
  • Maturities range from 6 months to 5 years
  • All IRA CDs are automatically renewable

*Federal Regulations limit the number of withdrawals made from a savings or money market account within any monthly cycle period. Withdrawals or transfers to another bank account or to a third party by means of pre-authorized, automatic transfer, or telephone transfer are limited to six (6) per monthly cycle. This includes on-line banking account transfers. In-person and ATM withdrawals are unlimited.

**This account is limited to six (6) transfers by check, draft or similar order per monthly statement cycle. Transfer limitation transactions include transfers to other accounts, transfers to third parties by preauthorization, automatic withdrawal agreements or telephone transfers. Withdrawals made in person, by mail or at an ATM are unlimited.