Consumer Accounts

We offer several options for your personal and business needs

Spur Account
- Opening balance - $100.00
  (interest rates are subject to change)
- Bank wallet checks - first order free
- Service charge - no charge
Individual NOW Account
- Opening balance required is - $100.00
  (interest rates are subject to change)
- Interest will be paid on collected balances, compounded daily and paid monthly
- If the balance falls below $750.00 on any day in the cycle: Maintenance Fee imposed on statement cycle - $2.00/mo.
  Fee per debit - $ .30
Golden Prestige NOW Account
- For customers 50 years of age and over
- Opening balance - $100.00
  (interest rates are subject to change)
- No minimum balance required for interest accrual
- Interest will be paid on collected balances, compounded daily and paid monthly.
- Check printing (wallet) - no charge
- Direct deposit - no charge
- Telephone transfers - no charge
- ATM/Check card - no charge
- Cashiers Checks & Money orders - no charge
MMDA Account
- Opening balance required is $2,500.00
  (interest rates are subject to change)
- Interest will be paid on collected balances, compounded daily and paid monthly
- If minimum balance of $2,500.00 is not maintained, Maintenance fee imposed on statement cycle - $10.00/mo.
- A depositor may make no more than 6 covered transfers or withdrawals per calendar month or statement cycle if withdrawals exceed six(6) per statement cycle, per debit fee charged - $10.00/transaction
Step Up MMDA Account
- Opening balance required is $25,000.00
  (interest rates are subject to change)
- Interest will be paid on collected balances, compounded daily and paid monthly
- If minimum balance of $25,000.00 is not maintained, Maintenance fee imposed on statement cycle - $10.00/mo.
- A depositor may make no more than 6 covered transfers or withdrawals per calendar month or statement cycle if withdrawals exceed six(6) per statement cycle, per debit fee charged - $10.00/transaction
Regular Savings Account
- Opening Balance - $50.00
  (interest rates are subject to change)
- Interest will be paid on collected balances, compounded daily and paid quarterly
- A depositor may make no more than 6 covered transfers or withdrawals per calendar month or statement cycle if withdrawals exceed six(6) per statement cycle, per debit fee charged - $0.50/transaction

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