services

Deposits

Regular Checking:

Limitations: You must deposit $100.00 to open this account.

Account Fees: If your minimum monthly balance is $199.99 or less your service charge will be $10.00 per month and a $.25 per debit charge will be assessed for each debit over 35 debits. If your minimum monthly balance is between $200.00 to $399.99 your service charge will be $8.00 and a $.25 per debit charge will be assessed for each debit over 35 debits. If your minimum monthly balance is between $400.00 to $499.99 your service charge will be $6.00 and a $.25 per debit charge will be assessed for each debit over 35 debits. If your minimum monthly balance is $500.00 or greater there will be no service charge or per debit charge. No monthly service charge for students. No monthly service charge for non-profit organizations. No monthly service charge for military and reservist.

Econo. Checking:

Limitations: You must deposit $100.00 to open this account.

Account Fees: A service charge of $4.00 will be assessed per month. A $.25 per debit will be charged per debit.

Money Market Account:

Rate Information: This Account is an interest-bearing account. The interest rate on the account is 0.20% with an annual percentage yield of 0.20%. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: 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. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:
You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. If you exceed the allowable number of transactions you will be charged $.15 for each debit over the allowable number and you will be notified that the interest privileges will be revoked if there are excessive transactions the following month.

Account Fees:
If the minimum monthly balance falls below $2,500.00 your account will continue to earn interest at the regular rate, however you will be charged a $10.00 service charge plus a $.15 per debit charge.

SuperNow Account:

Rate Information: This Account is an interest-bearing account. The interest rate on the account is 0.10% with an annual percentage yield of0.10%. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at institution's discretion. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information:
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.

Limitations:
You must deposit $1,000.00 to open this account.

Account Fees:
If the minimum monthly balance falls below $1,000.00 your account will continue to earn interest at the regular rate, however you will be charged a $10.00 service charge plus a $.15 per debit charge.

Savings Account:

Limitations: You must deposit $50.00 to open this account.You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in-person, by messenger, by mail or at an ATM are unlimited. If you exceed the allowable number of transactions you will be charged $3.00 for each debit over the allowable number.

Certificate of Deposit:

Contact you local branch for a list of current products and rates.

INDIVIDUAL RETIREMENT ACCOUNTS


‍You may put your IRA funds in the following account: 18 MONTH IRA

loans

Types of Loans:

- Consumer Loans
- Commercial Loans
- Agricultural Loans


For information on loans and loan rates contact your local loan officer: 

Cleo / Carmen:
James Fuzzell II (580)438-2223

Jet:
Forrest Michael (580) 626-4434

Meno:
Brad Detrick or Danielle Nelson (580) 776-2257

Other Accounts and Info

Safe Deposit Boxes:
Contact you local branch for a list of all sizes and prices

Check Card/ Debit Cards:
For lost or stolen cards contact 1-800-523-4175