Basic Shares   Money Market   Christmas Club 
  IRA's   Kirby Kangaroo Club   
Share Certificates   Sharedrafts (Checking)

For the highest yield on your savings, open a share certificate.

• TRADITIONAL SHARE CERTIFICATES

Terms vary from 6 months to 36 months.  A minimum deposit of $1,000 is required to open a certificate.  Early withdrawal penalties may apply.