Individual Financial Solutions
When budgeting and putting aside funds – whether that means for daily living, a new car or your dream retirement – we want to put you on the right path. We provide a variety of personal banking options in savings accounts, checking accounts, certificates of deposit, and online banking to provide you with convenience, security and peace of mind.
Our Banking Features
Online Banking
Mobile Banking
24 Hour ATM Locations
Reorder Checks
Night Depository
Safety Deposit Boxes
Notary Services
Wire Transfers
US Savings Bond Redemptions
Direct Deposit
E-Statement
Available Savings Accounts
Economy Now Account
- $100 minimum balance requirement
- $7 monthly service fee if balance falls below the average daily balance of $100
- 1 box of free standard checks at account opening
- $.35 fee for each check paid
Now Account
- $500 minimum balance requirement
- $7 monthly service fee if balance falls below the average daily balance of $500
- 1 box of free standard checks at account opening
- 30 free checks paid per month, $.35 per check paid thereafter: this fee does not apply to customers 55 years old or older. (Please notify us of your eligibility)
Super Now Account
- $1,000 minimum balance requirement
- $6 monthly service fee if balance falls below the average daily balance of $1,000.00
- 1 box of free standard checks at account opening
- 30 free standard checks paid per month, $.35 per check paid thereafter
- Tiered interest rates, paid monthly
Money Fund Account
- $1,000 minimum balance requirement
- $10 monthly service fee if balance falls below the average daily balance of $1,000
- Transfers are limited to six per statement cycle
- Tiered interest rates, paid monthly
Statement Savings Account
- $100 minimum balance
- Interest paid monthly
- Maximum of six automatic transfers per month
- $5 monthly service fee if balance falls below the average daily balance of $100
Passbook Savings Account
- $25 minimum balance
- Interest paid monthly
- $5 monthly service fee if balance falls below the average daily balance of $25
Christmas Savings Account
- $5 minimum balance
- Interest paid monthly
- No withdrawals permitted
- Account pays out annually in October by transfer to another PFSL account
Certificates of Deposit and IRAs
- Fixed rate of interest
- Flexible terms
How Much Will I Have?
Use our savings calculator to help you determine how much you can save over a period of time!
Current Rates
Certificates of Deposit
| Account Name | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Compounding Method |
|---|---|---|---|---|
| 6 Month | $1,000 | .03 % | .03 % | NONE |
| *12 Month | $1,000 | .05 % | .05 % (1) | NONE |
| *15 Month | $1,000 | .05 % | .05 % (2) | DAILY |
| *18 Month | $1,000 | .05 % | .05 % (2) | DAILY |
| *24 Month | $1,000 | .15 % | .15 % (2) | DAILY |
| *30 Month | $1,000 | .15 % | .15 % (2) | DAILY |
| *36 Month | $1,000 | .15 % | .15 % (2) | DAILY |
| *48 Month | $1,000 | .20 % | .20 % (2) | DAILY |
| *60 Month | $1,000 | .50 % | .51 % (2) | DAILY |
For a limited time enjoy these special rates.
(*) These certificates are also available as an IRA Account.
(1) Annual percentage yield assumes monthly or quarterly withdrawal by check or transfer.
(2) Annual percentage yield assumes interest will remain on deposit until maturity. Any withdrawal will reduce earnings.
All certificates are subject to early withdrawal penalty.
Savings Accounts
| Account Name | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Compounding Method |
|---|---|---|---|---|
| CHRISTMAS CLUB | $5.00 | .02 % | .02 % | MONTHLY |
| SAVINGS PASSBOOK | $25.00 | .02 % | .02 % | MONTHLY |
| STATEMENT SAVINGS | $100.00 | .02 % | .02 % | MONTHLY |
| SCHOOL SAVINGS | $1.00 | .02 % | .02 % | MONTHLY |
| MONEY FUND ACCOUNT | ||||
| TIER 1 | $25,000 | .02 % | .02 % | MONTHLY |
| TIER 2 | $10,000 | .01 % | .01 % | MONTHLY |
| TIER 3 | $1,000 | .01 % | .01 % | MONTHLY |
| TIER 4 | $0.00 | .00 % | .00 % | MONTHLY |
| NOW ACCOUNTS | ||||
| NOW | $500.00 | .00 % | .00 % | MONTHLY |
| Economy NOW | $100.00 | .00 % | .00 % | MONTHLY |
| SUPER NOW ACCOUNTS | ||||
| Tier 1 | $15,000.00 | .01 % | .01 % | MONTHLY |
| Tier 2 | $5,000.00 | .01 % | .01 % | MONTHLY |
| Tier 3 | $1,000.00 | .00 % | .00 % | MONTHLY |
| Tier 4 | $0.00 | .00 % | .00 % | MONTHLY |
Rates are subject to change at any time.
Checking Accounts
| Account Name | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Compounding Method |
|---|---|---|---|---|
| ECONOMY N.O.W. ACCOUNT | $100 | .00 % | .00 % | NONE |
| N.O.W. ACCOUNT | $500 | .00 % | .00 % | NONE |
| SUPER N.O.W. ACCOUNT | ||||
| TIER 1 | $15,000 | .01 % | .01 % | MONTHLY |
| TIER 2 | $5,000 | .01 % | .01 % | MONTHLY |
| TIER 3 | $1,000 | .00 % | .00 % | MONTHLY |
Rates are subject to change at any time.
Please see a teller to request a Truth in Savings disclosure on the applicable terms and fees.
Accounts insured to $250,000 according to FDIC rules and regulations.
Overdraft Protection Available.