Products & Services

· Interest compounded quarterly.*

· All CD board rates and terms available, flex rates available.

· Deposit addition may be made any time without extending maturity.

· Interest compounded monthly.

· No service charge if low balance for billing cycle is greater than $1000.00 or $2500.00 average collected balance.

· No service charges for senior citizens 62 years or older.

· $0.10 per debit and $5.00 per month maintenance if below minimum balance.

· No minimum balance.

· $0.10 credit per $100.00 of low balance during statement cycle.

· $3.00 monthly maintenance plus $0.10 per transit item, debit, credit, or local item.

PERSONAL NOW CHECKING ACCOUNT

· Interest compounded monthly.

· No service charge if low average collected balance for billing cycle is greater than $2000.00. If less than $2000.00 interest rate falls to regular NOW rate.

· No service charges for senior citizens 62 years or older.

· $0.20 per debit and $5.00 per month maintenance.

SUPER NOW CHECKING ACCOUNT

· Interest compounded monthly.

· No service charge if low balance for billing cycle is greater than $500.00. If less than $500.00 interest rate falls to regular NOW rate.

· Six checks allowed per statement cycle, unlimited withdrawals if made in person.

· $0.25 per debit and $5.00 per month maintenance if below minimum balance.

PERSONAL MONEY MARKET ACCOUNT

· Interest compounded monthly.

· No minimum balance.

· No service charges.

STATEMENT SAVINGS ACCOUNT

BUSINESS CHECKING ACCOUNT

· Interest compounded monthly.

· Minimum balance for statement cycle is $1000.00 or $2500.00 average collected balance. If less than minimum interest rate falls to passbook savings rate.

· $5.00 monthly maintenance plus $0.10 per transit item, debit, credit, or local item.

BUSINESS NOW CHECKING ACCOUNT

· $0.10 credit per $100.00 of low balance during statement cycle.

· Minimum balance for statement cycle $500.00. If less than $500.00 interest rate falls to regular NOW rate.

· Six checks allowed per statement cycle.

· $3.00 monthly maintenance plus $0.10 per transit item, debit, credit, or local item.

BUSINESS MONEY MARKET ACCOUNT

· No minimum balance.

· $0.10 credit per $100.00 of low balance during statement cycle.

· $3.00 monthly maintenance plus $0.10 per transit item, debit, credit, or local item.

BUSINESS STATEMENT SAVINGS

· Interest compounded at least quarterly on CD’s of three months or more, and paid at least monthly.

· $100.00 minimum balance.

· Automatically renewable.

· One month to 60 month maturity.

· Penalty for early withdrawal is one month’s interest for CD’s up to and including 12 months, three month’s interest for all others.

CERTIFICATES OF DEPOSIT

18 MONTH IRA ACCOUNT

· Guaranteed 10 day processing or we pay your first month’s payment.

· Fixed and adjustable rate, balloon, Fannie Mae.

MORTGAGES

INSTALLMENT LOANS

· Automobiles

· Boats

· Personal Water Craft

· Recreational Vehicles

· Snowmobiles

· ORVs

· Farm Loans

· Personal Loans

· Commercial Loans

· Brokerage Services

· Payroll Services

· Wire Transfers

· Stop Payments

· Money Orders

· Rental Collection

· Christmas Club

· Notary

· Consumer Internet Banking

· Business Internet Banking

· Canadian Drafts

· Gift Checks

· Travelers Checks

· Safe Deposit Boxes

· Security Transactions (T-Bills)

· Land Contracts

· Night Depository

· Photocopies

· Rent Collection

· Bill Pay

· Charter Communications

· D.T.E.

· CenturyTel

· Cloverland Electric Cooperative

· Sault Ste. Marie City Water and Sewer

· Sault Ste. Marie City Tax Collection*

*We are unable to accept delinquent Sault Ste. Marie City Taxes.

Please contact us directly and speak to one of our professional loan specialists to tailor a loan that fits your needs.

WELCOME TO CENTRAL SAVINGS BANK

· No minimum balance.

· No service charges.

· Free safety paper duplicate checks.

NO CHARGE CHECKING ACCOUNT

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