A variety of investment deposit accounts are available at competitive interest rates. A seven day pre-withdrawal notice right is reserved. Most certificates can be purchased for a minimum of $500.00 and can be invested for a short or long term maturity.

* For our individual customers who desire to shelter a portion of their income in a tax-deferred account, with the possibility of tax deductible benefits, we offer Traditional IRA's.

* Roth IRA's are non-deductible accounts that feature tax free withdrawals for certain distribution reasons.

* Coverdell Education Savings Accounts allow individuals to save money for a childs education (primary or secondary)on a tax favored basis. distributions used to pay for certain education expenses are federal tax income free and IRS penalty free.