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Personal Checking

Comparison Chart

Loyalty Checking

When you invest with us, we invest in you. Entrust your hard earned savings to us by opening a Loyalty Checking account and earn a premium rate of interest on your daily balance up to $10,000.00. Also, earn interest on your daily balances above $10,000.00. To qualify for the interest rate tiers, all of the following qualification must be met each statement cycle:

  • One direct deposit or more per month
  • Enrollment in electronic statements
  • Twelve debit card transactions per month or more, ATM transactions excluded 
  • Check Rates

Automatic fund transfers within the bank do not qualify as a direct deposit qualification. ATM transactions are excluded as a debit card transaction qualification. Paper statements will not be mailed. When the qualifications are not met the entire balance will be paid an alternate rate of interest. 

It's never been so easy to switch to us. Start earning loyalty interest rates today!


Free Checking

This is a flexible and affordable option especially for those opening their first account. You may receive the following benefits to enhance your account: 

  • Free from a minimum balance requirement 
  • Free from monthly service charges
  • It's never been so easy to switch to us


Classic Plus Checking

When additional relationships are established, you are entitled to a no fee checking account when you maintain a minimum daily balance of $500.00 and any one of the following relationships: 

  • One direct deposit or more per month
  • Enrollment in electronic statements
  • Savings account with a balance of $1,500.00 or more
  • Money market account with a balance of $1,500.00 or more
  • Certificate of Deposit (CD) with a balance of $1,500.00 or more
  • Consumer loan with a balance of $10,000.00 or more
  • Real estate loan with a balance of $10,000.00 or more
  • Check Rates

If these requirements are not maintained a $7.00 monthly service charge will be imposed each statement cycle.

Earn interest on the entire balance in your account when you maintain a $1,000.00 minimum daily balance. If the checking account daily balance falls below $1,000.00 at any time during the statement cycle, no interest will be paid. It's never been so easy to switch to us. 


Investor's Checking

The higher the balance, the higher the interest rate.

  • $0.01 to $4,999.99 earns Introductory Rate
  • $5,000.00 to $14,999.99 earns Good Rate
  • $15,000.00 to $24,999.99 earns Better Rate
  • $25,000.00 to $49,999.99 earns Best Rate
  • $50,000.00 or more earns Premium Rate
  • Check Rates
If the daily balance falls below $5,000.00 during the Statement Cycle there is a service charge of $5.00 plus $0.25 per check/debit. It's never been so easy to switch to us. 


Golden DeLUX Checking

This convenient checking account is exclusively for our members 55 years or better. Become a member and receive these great benefits: 

  • No minimum balance**
  • Discount on your check order 
  • Complimentary Cashier's Checks and Money Orders 
  • Many special events throughout the year 

** Two additional accounts must be maintained or a $5,000.00 minimum daily balance in a CD to qualify for the Golden DeLUX package.

If the mentioned relationships are not maintained, the account reverts to a Free Checking Account. It's never been so easy to switch to us.


Golden DeLUX Plus Checking

To qualify, simply maintain the same relationships as the Golden DeLUX checking account and earn interest on your daily balance of $1,000.00 or more. If your daily balance falls below $1,000.00 during the statement cycle, there is a $5.00 monthly service charge plus $0.25 per check/debit. It's never been so easy to switch to us. Check Rates


Complement your account with any of the following services:
  • Debit Card
  • Online Banking
  • Mobile Banking
  • eStatements
  • 24 Hour Telephone Banking