Freedom Checking
A flexible account for those who frequently use their ATM or Visa Check Card and are looking for an account with flexibility and no maintenance costs.  Requires Internet Banking and Electronic Statements to avoid $5 monthly fee.

• $100 opens account
• No minimum balance requirement
• Free ATM or Visa Check Card
• Unlimited usage at any ATM, with no bank charges
• Unlimited check writing

Budget Checking*
One of our most popular accounts.  Requires at least one direct deposit monthly or $100 minimum balance to avoid $8 monthly fee.

• $50 opens account
• Free ATM or Visa Check Card
• Unlimited check writing

Regular Checking

• $100 opens account
• $500 minimum balance to avoid a $10 monthly maintenance fee
• Free ATM or Visa Check Card
• Imaged checks returned with statement

Student Checking
This account is limited to students. Proof of active student registration will be required.

• $100 opens account
• No minimum balance required
• Free ATM or Visa Check Card for students 18 & up
• Unlimited Check writing
• No monthly maintenance fee

Gold Checking*
This is an interest bearing account available to persons 50 years of age and older.

• $100 opens account
• No monthly maintenance fee
• No transaction fees
• Free ATM or Visa Check Card
• Free use at Publix Presto ATM/Check Card Machines
• No service charge on ATM usage
• No minimum balance requirement
• No minimum balance to earn interest
• Imaged checks returned with statements
• Free graystone personalized checks
• Free cashier’s checks
• Free 3x5 Safe Deposit Box (when available) 
• Medallion signature guarantee at no charge

*Interest is compounded daily and credited monthly.

NOW Checking*
This is an interest bearing account.

• $100 opens account
• $1500 daily or $2500 average balance required to avoid an $11 monthly maintenance fee
• Free ATM or Visa Check Card
• Imaged checks returned with statement

*Interest is compounded daily and credited monthly.

EXTRAS:

• All deposits posted before 4:00pm will be posted on the current business day
• Deposits are FDIC insured
• Online banking available free of charge
• Pay bills through Online Bill Pay at no cost
• Overdraft protection available
• “Bank by Mail”
• Safe Deposit Boxes
• Direct Deposit

Regular Savings*
Also available for business purposes.

• $25 opens account
• No minimum balance required
• No monthly maintenance fee 

*Interest is compounded daily and credited monthly.

Youth Savings*
Limited to account holders under the age of 18.

• $5 opens the account
• No minimum balance required
• No monthly maintenance fee

*Interest is compounded daily and credited monthly.

Super Savings*
This account has different tiers, with increasing interest rates for each tier.

• $2500 opens account
• $2500 minimum balance to avoid a $3 monthly maintenance fee

*Interest is compounded daily and credited monthly.

Premier Money Market*
Also available for business purposes. This account has different tiers, with increasing interest rates for each tier.

• $2500 daily balance required to avoid a $10 monthly maintenance fee
• No minimum balance required to open the account 

*Interest is compounded daily and is credited monthly.

Christmas Club
The perfect account to save up for the busy holiday season. Account holders are limited to one withdrawal during the term. Subsequent withdrawal causes account to be closed.

• $5 opens the account
• Checks are mailed in November, just in time for shopping
• Interest bearing account

Bridal Passbook Savings*

• Minimum to open $25
• No monthly maintenance fee
• No minimum balance requirements
• Statements issued as of the end of each calendar quarter

*Interest is compounded daily and credited monthly.

• $500 opens account
• Competitive rates
• 7 days to 5 year terms available

• $500 opens account
• Traditional IRA's, Roth IRA's, and Coverdell Educational Savings Account IRA's available
• 1 to 5 year terms available

Types of Loans Available:

• Automobile
• Airplane
• Boat
• CD Loans
• Credit Card Advances
• Personal Lines of Credit
• Home Equity Lines of Credit
• Residential Mortgage
• Marketable Collateral Loans (stocks, bonds, etc.)

*Other loans available to meet your needs.

All of our loans are made at simple interest rates and, therefore, interest is charged only on the outstanding balance.

Loan payments may be made by automatic deduction from a checking or savings account as well as in person or by mail.

A 0.25% rate reduction on all loans for auto-payment debit.