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Hometown Savings
"Penny Savers" Children's Savings
Christmas Club Savings
Money Market Checking
Money Market Investment
Individual Retirement Account - "IRA"
401K Retirement Plans

• $50 Opening Minimum Balance
• Interest Compounded end of each Quarter - March, June, Sept & December
• Direct Deposit Capability - Increase Savings
• Automatic Transfers Capability - Increase Savings
• Statements Printed end of each Quarter -March, June, Sept & December
• No Service Charge if Balance is Above $50 every Day of Month - $1.00 Charge if Balance Falls Below $50
• One Free Withdrawal Monthly - $2.00 Fee per Withdrawal after One

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Penny Savers Children's Savings Account

• Account Available for Children up to and including Age 18.
• No Minimum Balance Required
• No Service Charge pertaining to Balance.
• One Free Withdrawal per month / $2.00 fee per withdrawal after 1st withdrawal.
• Interest Compounded Quarterly (End of March, June, Sept, & December).
• Quarterly Statements - (Printed end of March, June, Sept, & Dec).

Kid's Savings Calculator

If I save dollars each month, how much will I have at the end of 1 2 3 4 5 6 7 8 9 10 11 12 month(s)?

"Saving Money Is Smart"

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Christmas Club Savings

• $5.00 Opening Minimum Balance
• Weekly or Monthly Deposits - Increase Savings
• Interest Compounded Annually - October
• Automatic Transfers Capability
• Direct Deposit Capability
• Payout in October - Time for Christmas - Auto-Deposit into Checking or Savings Account or by Check

Start Now! Christmas will be here, before you know it.

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Money Market Checking

• Available to Individuals or Businesses
• $2500 Opening Minimum Balance
• Interest Compounded Monthly
• Six Transactions Per Month - (Only Three By Check or Debit Card)
• $1.00 Per Item Charge for Debits over Six
• No Monthly Service Charge if Balance is Above $2500 Every Day of Statement Cycle
• Low $8.00 Monthly Service Charge if Balance Falls Below $2500
• Direct Deposit Capability
  
  

  RATE INFORMATION:

  Tier 1 - If your daily balance is $2,500 or more, the interest rate paid on the entire balance in your account will be ________% with and annual percentage yield of _______%.

  Tier 2 - If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will convert to the NOW CHECKING interest rate and annual percentage yield.

  (For Interest rate and Annual Percentage Yield, please call Customer Service at 870-382-4311)

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Money Market Investment

• Available to Individuals or Businesses
• $10,000 Opening Minimum Balance
• Higher Rate of Interest than Money Market Checking
  
• Interest Compounded Monthly
  
• Six Transfers Per Month - (Only Three By Check or Debit Card)
  
• $1.00 Per Item Charge for Debits Over Six
  
• No Monthly Service Charge if Balance is above $10,000 Every Day of Statement Cycle
  
• $10.00 Monthly Service Charge if Balance falls Below $10,000
  
• Direct Deposit Capability
  
  

  RATE INFORMATION:

  Tier 1 - If your daily balance is $10,000 or more, the interest rate paid on the entire balance in your account will be ________% with and annual percentage yield of _______%.

  Tier 2 - If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance in your account will convert to the NOW CHECKING interest rate and annual percentage yield.

  (For Interest rate and Annual Percentage Yield, please call Customer Service at 870-382-4311)

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(IRA) Individual Retirement Account

• Traditional, Roth & Education IRAs
• Increase Retirement Savings
  
• Deposit Annually Up to $3,000 or 100% of Earned Compensation - whichever is less.
  
• Higher Rate of Yield on Savings
  
• Tax Deferred Interest
  
• Interest Compounded Quarterly
  
• Fixed Rate IRA'S
  
• Rate Riser IRA's

(For Interest rate and Annual Percentage Yield, please call Customer Service at 870-382-4311)

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