Our Services

DDA (CHECKING) ACCOUNT

• Minimum to Open Account is $100.00
  
• Unlimited Check Writing
  
• Receive Image Check Copies with Monthly Statement
  
• $500.00 Minimum Daily Balance Requirement to avoid $8.00 monthly service charge (does not apply to students or seniors)
  
• Free Visa Debit Card
  
• Free 24 Hour Telephone Banking with Call First
  

FREE CHECKING ACCOUNT

• Minimum to Open Account $100.00
• No Service Charge
• No Minimum Balance Requirements
• Unlimited Check Writing
• Free Visa Debit Card
• Free 24 Hour Telephone Banking with Call First
• Recommend the use of duplicate checks

L.M.M.A. (LIMITED MONEY MARKET) ACCOUNT

• Interest Bearing
• Minimum to Open is $1,000.00
• $1,000.00 Average daily balance requirement to avoid $10.00 monthly service charge
• Receive Image Check Copies with Monthly Statement
• Free 24 Hour Telephone Banking with Call First

TRANSACTION LIMITATIONS:
Transfers from and L.M.M.A. (Limited Money Market) account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

If you Close Your Account Before Interest is Credited You WILL NOT Receive The Accrued Interest.
For Current Rate Information Call 903-546-6275

NOW ACCOUNT

• Interest Bearing
• Minimum to Open Account is $500.00
• Unlimited Check Writing
• Receive Imaged Check Copies with Monthly Statement
• $500.00 Average Daily Balance Requirement to avoid $8.00 monthly service charge
• Free Visa Debit Card
• Free 24 Hour Telephone Banking with Call First

SUPER NOW ACCOUNT

• Interest Bearing
• Minimum to Open Account is $1,000.00
• Unlimited Check Writing
• Receive Imaged Check Copies with Monthly Statement
• $1,000.00 Average Daily Balance Requirement to avoid $10.00 monthly service charge
• Free Visa Debit Card
• Free 24 Hour Telephone Banking with Call First

SAVINGS ACCOUNTS

• Minimum to Open Account is $100.00
• 3 Withdrawals Allowed Per Quarter
• A Service Charge fee of $1.00 will be charged for each withdrawal in excess of three during a quarter.

CERTIFICATES OF DEPOSIT

• Earn Competitive Interest
• No Monthly Service Charge
• Variety of Terms Available
• $500.00 Minimum Deposit
• Interest can be compounded, paid by check or deposited to an account

CD TERMS

3 Months 6 Months

12 Months 24 Months

36 Months 48 Months

60 Months

When you purchase a CD, your rate is fixed until the Certificate matures. When your CD matures, it will automatically renew for the same period of time at the rate in effect at renewal unless you instruct us to do otherwise. You have 10 days after the CD renewal date to redeem your CD to avoid penalty. If the CD is redeemed more than 10 days after the automatic renewal, a full penalty will be assessed regardless of the interest earned.

LOANS
We have the following type of loans available to our customers. Subject to credit approval.

• Home Loans
• New Auto Loans
• Used Auto Loans
• Farm Equipment
• Land Purchases
• Business Loans.