We offer the conveniences of a large bank with hometown friendliness and service! Since the day we began in 1913, we've grown but we haven't changed..we'll still greet you by name, share a smile or a laugh, and do whatever we can to meet your needs with confidence and confidentiality.

We are proud to be an active part of the communities where we are located as well as their surrounding areas. We take great pride in the friendly, personal service we offer to each and every customer. If you are new to us, we'll introduce ourselves and get to know you and your needs.

You are not just an individual or a number to us - you're a friend who we know by name. We sincerely care and will always strive to be the best.

• Checking Accounts (non-interest bearing)
• Checking Accounts (interest bearing)
• Savings and Money Market Accounts
• Internet Banking and Bill Payment
• Certificates of Deposit
• IRAs
• Current Deposit Rates
• Financial Calculators

Checking Accounts (non-interest bearing)

Statement Checking

• FREE checking account
• $100.00 to open account
• No minimum balance
• No monthly service fees
• No return of checks or check images
• Monthly bank statement

Student & Senior Checking

• FREE checking account
• $100.00 to open account
• No minimum balance
• No monthly service fees
• Copies of check images
• Monthly bank statement
• Checks are provided free-of-charge to our 'Seniors'!

* if you're age 62 or over you qualify as a 'Senior'
* if you're a full-time student you qualify as a 'Student'

Personal Checking

• $100.00 to open account
• $300.00 minimum balance for no service charge
• $100.00 - $299.99 balance a $3.00 service charge is applied monthly
• Under $100.00 a $5.00 service charge is applied monthly
• Copies of check images returned
• Monthly bank statement

Checking Accounts (interest bearing)

N.O.W. Checking

• $1,000.00 to open account
• Monthly interest paid
• $1000.00 minimum balance for no service charge
• Under $1000.00 a $7.50 service charge is applied monthly
• Copies of check images returned
• Monthly bank statement

Super N.O.W. Checking

• $2,500.00 to open account
• Monthly interest paid
• $2500.00 minimum balance for no service charge
• $1000.00 - $2499.99 balance a $2.00 service charge is applied monthly
• Under $1000.00 a $7.50 service charge is applied monthly
• Copies of check images returned
• Monthly bank statement

** All new checking accounts receive the first 50 checks free **
Rates subject to change with a 30 day notice Member FDIC

back to top • Current Rates

Savings & Money Market Accounts

Savings Account:

• $25.00 to open account
• Interest compounded semi-annually and credited semi-annually
• No minimum balance required
• Quarterly bank statement without images

Gold Passbook Savings Account:

• $1,000 to open account
• Interest compounded quarterly and credited quarterly
• No minimum balance required
• Quarterly bank statement without images

Money Market Account:

• $2,500 to open account
• Interest compounded quarterly and credited quarterly
• $1,000 minimum balance required for no service charge
• Under $1,000 a $5.00 service charge is applied for that quarter
• Quarterly bank statement without images
• Has 'limited' check writing privileges
• (6 transactions per month of which no more than 3 can be a withdrawal/check)

Super Money Market Account:

• $2,500 to open account
• Interest compounded quarterly and credited quarterly
• $2,500 minimum balance required for no service charge
• $1,000 - $2,499 balance a $5.00 service charge is applied for that quarter
• Under $1,000 a $7.50 service charge is applied for that quarter
• Quarterly bank statement without images
• No check writing privileges
• Limited to 3 transactions per month

** Rates subject to change with a 30 day notice Member FDIC

back to top • Current Rates

Internet Banking

Internet banking provides you the flexibility to bank anywhere, anytime. View bank statements and account history, transfer funds, and set up email alerts to notify you when your account balance falls below a certain level. There is no cost for internet banking.

Online Bill Payment

With Bill Payment you can pay bills from the comfort of your home with no envelopes or stamps. Let us do the work for you! There is no cost for Online Bill Payment.

Certificates of Deposit

Did you know Certificates of Deposit (CDs) can be purchased for as little as $500? We offer CDs to individuals or organizations who wish to safely invest their money for a given period of time. Our interest rates are very competitive and are determined by the dollar amount you're investing and the length of time you plan to invest your money. CDs are available for different periods of time ranging from 30 days on up to 5 years. Penalties apply for early withdrawal. Rate changes are made on Tuesdays.

back to top • Current Rates

IRA

Individual Retirement Accounts (IRA) are available to customers who have 'earned' income and have not reached age 70. We offer Traditional, Roth, and Coverdell (education) IRAs which can be funded with personal contributions, transfers, or eligible rollovers. Rates can be fixed for 1-5 years or you may prefer a variable rate IRA that fluctuates with the economy. Inquire at any branch for more information.

For additional investment offerings, see our Investment and Trust section. CAPS Financial Group is not a typical brokerage firm where you pay an advisor commissions to put you into individual stocks and mutual funds. CAPS manages portfolios for clients on an individual basis; we do not collect commissions or sales charges. Therefore, there is no conflict of interest in the relationship.

back to top • Current Rates