Visa Credit Card

Our Visa card is accepted worldwide. If you are 18 years or older simply complete an application and submit it to the bank for review. A loan officer will complete a credit check and review your application.

• Low monthly interest rate
• Itemized monthly statement mailed and available online
• No finance charges if balance paid in full each month
• Cash advance privileges, with interest charged from the date advance made

Easy Access Visa Check Card

Go checkless! Apply in person for our EASY ACCESS check card and say goodbye to paper checks forever. Make purchases, pay for services or withdraw funds, with just one card. EASY ACCESS is accepted anywhere Visa is. Can you say that about your checks?

• Withdrawal funds from your checking account
• Make purchases - no need to show ID
• Withdraw funds from ATM machines
• Reconcile transactions with a monthly account statement
• Say goodbye to surprise Visa bills. Funds are immediately withdrawn from your account

Apply in person at any branch. Your Easy Access card will arrive in just five working days.

Certificates of Deposit

Certificates of deposit (CDs) pay a guaranteed interest rate, making them an excellent short and long-term investment. CDs are issued for a fixed time period and penalties apply only if funds are withdrawn early. Contact a customer service representative for more information or for current rates.

Individual Retirement Accounts

Plan for the future and save today with an Individual Retirement Account. IRAs allow you to save for tomorrow and cut taxes today. Most IRA contributions are tax deductible and grow tax-deferred or tax-free. For more information visit a customer service representative.

Safe Deposit Boxes

Safe deposit boxes are ideal for storing valuables. Boxes are available in several sizes. Boxes are rented only to customers.

Bonds

US Government Bonds provide a safe long-term investment opportunity and are available in denominations of $50, $75, $100, $200, $500, $1,000, $5,000 and $10,000. Interest is compounded semi-annually.

Personal Loans

Thinking about buying a car, taking a vacation, or paying off bills? Our loan officers are ready to tailor a personal loan specifically for you. Call or visit today and find out how we can help.

Xpress Telephone Banking

Access loan or deposit account information or transfer funds between accounts, all by phone. Xpress banking makes it easy to verify interest paid, confirm deposits and withdrawals. Call 843-464-5620 or toll free 800-868-6554.

Check Imaging

No more fishing through files for that elusive missing check! Check imaging allows personal and business banking customers to view cancelled checks and deposit slips, both front and back. Register for eBanking to access this valuable service.

Overdraft Protection

Never bounce a check again! Our Overdraft Privilege program provides customers with an unsecured line-of-credit that automatically kicks in the minute your balance falls below zero.

• No annual service fee
• Credit up to $5,000
• Payment made when statement is pulled
• 18% interest charged on outstanding balance