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SAVINGS ACCOUNTS

SavingsMoney Market Deposit 
Christmas Club  |  Certificate Of Deposit
Growth Certificate Of Deposit Individual Retirement Account (IRA)


SAVINGS ACCOUNT - top

  • Minimum balance to open this account is $100.00.
  • Interest will be compounded semiannually.
  • Interest will be credited to your account semiannually.
  • Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
  • Rate may change after the account is opened

MONEY MARKET DEPOSIT ACCOUNT - top

  • Minimum balance to open this account is $1,000.00
  • Service charge of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
  • Interest will be paid if you keep a minimum balance of $1,000.00. It will be compounded and paid monthly.
  • You may make six (6) transfers from your account each four (4) week or similar periods, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
  • Rate may change after the account is opened. Fees could reduce the earnings on the account.

CHRISTMAS CLUB ACCOUNT - top

  • Minimum balance to open this account is $2.00.
  • Interest will be compounded at maturity and paid at maturity.
  • Checks are mailed in October.
  • You may not make any withdrawals before maturity unless authorized.
  • Rate may change after the account is opened.

CERTIFICATE OF DEPOSIT - top

  • Minimum balance to open this account is $1,000.00.
  • Interest is paid on time and amount.
  • Interest is paid by check, deposited to a checking or savings account at First Missouri State Bank or compounded.
  • Automatic renewal
  • Penalty may be imposed for early withdrawal.

GROWTH CERTIFICATE OF DEPOSIT - top

  • Minimum balance to open this account is $100.00.
  • Interest is compounded quarterly.
  • You can add to CD ($25.00 minimum, $5,000.00 maximum per year).
  • Penalty may be imposed for early withdrawal.

INDIVIDUAL RETIREMENT ACCOUNT (IRA) - top

  • Contribution limit is $5,000.00 or 100% of earned income, whichever is less per year.
  • Funds are invested in bank Certificate of Deposits and earn interest tax deferred.
  • If you have not reached age 70, you may be eligible for an IRA.
  • Penalty may be imposed for early withdrawal.


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