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  We Make It Easy . . . 
Spacer Image ATM, Telephone, Online, In Person . . . You be in charge of how and when you do your 24/7 Banking.  
  Why Pay for Checking
when we offer a free
checking account
that pays you?  
  Our high interest checking account eliminates ATM fees nationwide, and lets you enjoy the fast, secure and easy benefits of free online banking.  
  More Info
 
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Expanded FDIC Deposit Insurance Coverage Extended

Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor.

Click “More Info” to learn more about each account.

Account Type Opening Deposit Monthly Service
Charge
Interest
Bearing
Your Rewards Checking
More
Info
$50 No Monthly
Service Fees!
Calculated on the daily balance
Freedom Personal Checking
More
Info
$50.00* No Monthly
Service Fees!
N/A
Freedom 50 Checking
More
Info
$50.00* No Monthly
Service Fees!
N/A
Freedom Business Checking
More
Info
$50.00 No Monthly
Service Fees!
N/A
A+ Checking
More
Info
$50.00* No Monthly
Service Fees!
N/A
Interest Personal Checking
More
Info
$1,000.00 $4.99 if minimum daily ledger balance is below $500. No fee if a CD or Savings Account in same name as checking with a daily balance of $1,000 Calculated on the daily balance of $1,000.00 or more.
Interest Business Checking
More
Info
$1,000.00 $4.99 if minimum daily ledger balance is below $500. No fee if a CD or Savings Account in same name as checking with a daily balance of $1,000 Calculated on the daily balance of $1,000.00 or more.
Investment Plus Account
More
Info
$25,000.00 $15.99 if minimum daily ledger balance is below $5,000. $9.99 per each debit in excess of 6 per month Calculated on the daily balance of $1,000.00 or more.
Money Market Account
More
Info
$1,000.00 $5.99 if minimum daily ledger balance is below $1,000. $9.99 per each debit in excess of 6 per month Calculated on the daily balance of $1,000.00 or more.
Independence Plus Account
More
Info
$5,000.00 $9.95 if minimum daily ledger balance is below $5,000 Calculated on the daily balance of $5,000.00 or more.

YOUR REWARDS CHECKING

  • $50.00 opening balance.
  • No minimum balance requirements.
  • UNLIMITED check writing.
  • Interest bearing account. Click Here for current rates:
    At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • Must meet 3 monthly qualifications to earn monthly reward.

  • Make 10 check card purchases (does not include ATM transactions).
    Setup 1 direct deposit or authorize 1 automatic payment.
    Receive statements electronically (eStatements).
  • Monthly reward includes:

  • Premium Annual Percentage Yield on account balances up to $25,000.
    Standard APY on account balances over $25,000.
    Automatic reimbursement for ATM fees when using another bank’s ATM (nationwide).
  • Base APY on entire account balance if monthly qualifications are not met.
  • No monthly service charge.
  • Free ATM/Debit card; UNLIMITED use.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.

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FREEDOM PERSONAL CHECKING

  • $50.00 opening balance *(waived with direct deposit).
  • No minimum balance requirements.
  • UNLIMITED check writing.
  • No monthly service charge.
  • Free ATM/Debit card; UNLIMITED use.
  • First order of specialty checks free.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.
  • Four (4) free foreign ATM withdrawals each statement cycle (does not include surcharge that may be assessed by another financial institution).
  • Free image statements and binder.

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FREEDOM 50 CHECKING

  • Must be at least 50 years old.
  • Free specialty checks.
  • $50.00 opening balance (waived with direct deposit).
  • No minimum balance requirements.
  • Free money orders and cashier's checks.
  • One time penalty-free CD withdrawal - Maximum of 50% of balance (no penalty for health related withdrawals).
  • Free 3x5 safe deposit box (when available).
  • UNLIMITED check writing.
  • Free ATM/Debit card; UNLIMITED use.
  • Free foreign ATM transactions (does not include surcharge that may be assessed by another financial institution).
  • Free image statements and binder.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.
  • Freedom 50 savings account - ask a customer service rep for details.

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FREEDOM BUSINESS CHECKING

  • $50.00 opening deposit.
  • No minimum balance requirements.
  • UNLIMITED check writing.
  • Free ATM/Debit card; UNLIMITED use.
  • First order of speciality checks free.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay for 3 months - see fee schedule for cost thereafter.
  • No monthly service charge.

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A+ CHECKING

  • $50.00 opening deposit *(waived with direct deposit).
  • No minimum balance requirements.
  • UNLIMITED check writing.
  • No monthly service charge.
  • Free ATM/Debit card; UNLIMITED use.
  • Free first order of specialty checks denoting you are an A+ customer.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.
  • Free UNLIMITED foreign ATM withdrawals - balance inquiries included. Does not include surcharge that may be assessed by another financial institution.
  • Free image statements and binder.
  • Complimentary PCB portfolio.
  • 'No Fee' money orders.
  • Lower interest rate on consumer loans with direct debit.

  • Bank reserves the right to request proof of employment.

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INTEREST PERSONAL CHECKING

  • Interest bearing account. Click below for current rates:
    • Daily balance is more than $999.99 but less than $2,500.00 Click Here.
    • Daily balance is more than $2,499.99, but less than $10,000.00 Click Here.
    • Daily balance is more than $10,000 Click Here.
      At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • $1,000.00 opening deposit.
  • Must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
  • A minimum daily balance of $500.00 or a balance of $1,000.00 maintained in a savings account or certificate of deposit in the same name as the checking account is required to avoid a service charge of $4.99 per month.
  • UNLIMITED check writing.
  • Free ATM/Debit card.
  • Free image statements with binder.
  • Free first order of specialty checks.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.

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INTEREST BUSINESS CHECKING

  • Interest bearing account. Click below for current rates:
    • Daily balance is more than $999.99 but less than $2,500.00 Click Here.
    • Daily balance is more than $2,499.99, but less than $10,000.00 Click Here.
    • Daily balance is more than $10,000 Click Here.
      At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • $1,000.00 opening deposit.
  • Must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
  • A minimum daily balance of $500.00 or a balance of $1,000.00 maintained in a savings account or certificate of deposit in the same name as the checking account is required to avoid a service charge of $4.99 per month.
  • UNLIMITED check writing.
  • Free ATM/Debit card.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay for 3 months - see fee schedule thereafter.
**Available only to Proprietorship, Non-profit Corporations, Organizations, Associations & Lodges (excludes 'for profit' corporations)

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INVESTMENT PLUS ACCOUNT

  • Interest bearing account. Click below for current rates:
    • Daily balance is more than $999.99, but less than $14,999.00 Click Here. Rate based on the 91 Day T-Bill discount rate less 1/2% of the rate paid on balances over $15,000.
    • Daily balance is more than $15,000 Click Here. Rate based on the 91 Day T-Bill less 0.25%.
      The interest rate on the account is based on the 91 Day T-Bill. We may change the interest rate on the account on the first business day of each month. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • $25,000.00 opening deposit.
  • Must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
  • Transfers from your account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six (6) per statement cycle; with no more than six (6) transfers by check, draft, debit card or similar order (including POS transactions), made by you and payable to third parties per statement cycle. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the Bank.
  • Unlimited transfers to another account within the Bank, provided the transfer is initiated by you in person or at an ATM.
  • Unlimited ATM withdrawals.
  • An excess transaction fee of $9.99 will be charged for each debit transaction in excess of six (6) (withdrawal, check paid, automatic transfer or payment) out of this account per calendar month or statement cycle.
  • A minimum daily balance of $5,000 is required to avoid the assessment of a service charge of $15.99 per statement cycle.
  • Free ATM/Debit card.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with LIMITED use (per regulations stated above).
  • Advanced email notice of unadvertised financial specials.
  • Social events and educational seminars.
  • Exclusive travel trips.

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MONEY MARKET ACCOUNT

  • Interest bearing account. Click below for current rates:
    • Daily balance is more than $999.99, but less than $25,000.00 Click Here.
    • Daily balance is more than $24,999.00 but less than $50,000.00 Click Here.
    • Daily balance is more than $49,999.00 Click Here.
      At our discretion, we may change the interest rate on the account on the first business day of each month. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • $1,000.00 opening deposit.
  • Must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed APY. We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal in the account each day.
  • Transfers from your account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six (6) per statement cycle; with no more than six (6) transfers by check, draft, debit card or similar order (including POS transactions), made by you and payable to third parties per statement cycle. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the Bank.
  • Unlimited transfers to another account within the Bank, provided the transfer is initiated by you in person or at an ATM.
  • Unlimited ATM withdrawals.
  • An excess transaction fee of $9.99 will be charged for each debit transaction in excess of six (6) (withdrawal, check paid, automatic transfer or payment) out of this account per calendar month or statement cycle.
  • A minimum daily balance of $1,000 is required to avoid the assessment of a $5.99 service charge per statement cycle.
  • Free ATM/Debit card.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with LIMITED use (per regulation).

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INDEPENDENCE PLUS ACCOUNT

  • Interest bearing account. Click below for current rates:
    • Daily balance is more than $5,000 Click Here.
      At our discretion, we may change the interest rate on the account. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
  • $5,000.00 opening deposit.
  • Must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed APY. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
  • To avoid a monthly service charge of $9.95, the primary account holder must maintain a daily aggregate deposit relationship of $10,000 or more in a checking, savings or certificate of deposit in the same name as the checking account.
  • UNLIMITED check writing
  • Free ATM/Debit card; UNLIMITED use.
  • Free UNLIMITED foreign ATM transactions (does not include a surcharge that may be assessed by another financial institution).
  • One free order of specialty checks per year.
  • 24/7 Access to account with . . .

  • Telephone Banking
    'Free' Online Banking
    'Free' Bill Pay with UNLIMITED use.
  • Advanced email notice of unadvertised specials.
  • Social events and educational seminars.
  • Exclusive travel trips.

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