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We are a locally owned and operated financial institution that offers a wide variety of products and services to our customers. We hope you will find our latest products, Internet Banking and Bill Paying services ways to make your life a little easier when it comes to banking.

Savings Savings Savings Savings Savings

Savings Account

  • Interest bearing account
  • $100.00 minimum to open
  • No monthly service fee if balance remains above $100
  • $2.00 monthly service fee if balance falls below $100
  • No minimum balance requirements or service fees for minors
  • Interest compounded and credited quarterly
  • $1.00 fee for each debit transaction in excess of 3 per month

Christmas Club Account

  • Interest bearing savings account
  • $10.00 minimum to open
  • $5,000.00 maximum balance
  • Interest compounded and credited annually
  • $5.00 fee each for early withdrawals

Penny Pinchers Account (Age 13 & Under)

  • Interest bearing savings account
  • Special incentives for super savers
  • $10.00 minimum to open
  • Interest paid on all balances
  • Interest compounded and credited quarterly
  • Prizes awarded for each deposit made

Certificates of Deposit

  • Interest bearing investment/savings account
  • Choice of term, compounding and crediting
  • Please call (931) 823-bank for current rates and term

Individual Retirement Account

  • Interest bearing savings/retirement account
  • No minimum deposit to open
  • Unlimited maximum balance
  • May deposit up to $4,000.00 per year
  • Maturities from 6 months to 5 years
  • Deposits may be made at any time
  • Withdrawals may begin at age 59.5