the Apple Creek Banking Co.

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Personal Banking

Checking Accounts

Regular Personal Account

  • Minimum opening deposit - $50
  • Maintain minimum balance of $100 to avoid monthly maintenance charge of $8.50
  • Unlimited check writing
  • Statements and cancelled check images mailed monthly
  • Debit card available
  • Account information and transfers available via 24-Hour Telephone Banking 888-3APPLE3 or 888-327-7533

Golden Age Account

Individuals 62 years and over qualify for a monthly no maintenance charge regular personal checking account when combined with any Apple Creek Bank savings account.

Thrift Account

  • Minimum opening deposit - $50
  • Monthly maintenance charge - $3.00
  • 50 personalized checks - $10.00
  • Over 10 debits paid - $.25 per debit fee
  • Debit card available

In-Club Accounts

  • Minimum opening deposit - $50
  • Basic account - $9.00 monthly maintenance charge
  • Family account - $11.00 monthly maintenance charge
  • Free checks Ė selected styles
  • Unlimited check writing
  • Numerous benefits and other services
  • Statements and cancelled check images mailed monthly
  • Debit card available
  • Account information and transfers available via 24-Hour Telephone Banking 888-3APPLE3 or 888-327-7533

NOW Account

  • Minimum opening deposit - $50
  • Interest earned daily; compounded and credited monthly
  • Maintain minimum balance of $750 to avoid monthly maintenance charge of $8.00
  • $.12 per debit fee for each item over 30 during a statement cycle
  • In-club account available with applicable fees
  • Debit card available

Super NOW Account

  • Minimum opening deposit - $50
  • Interest earned daily; compounded and credited monthly
  • Maintain minimum balance of $750 to avoid monthly maintenance charge of $8.00
  • Balances of $2,500 or more earns higher rate of interest
  • Debit card available

Apple Plus Account

  • $10,000 aggregate balance in the combination of all your deposit accounts
  • Numerous benefits and other services available
Savings Accounts

Money Market Deposit Accounts

  • Minimum opening deposit - $50
  • Interest earned daily; compounded and credited monthly
  • Tiered rate
  • Maintain minimum balance of $2,500 to avoid monthly maintenance charge of $5.00
  • Limit of three checks and three phone transfers per month
  • Unlimited withdrawals in person

Statement Savings

  • Minimum opening deposit - $50
  • Interest will be compounded daily and credited monthly
  • Maintain minimum balance of $100 to avoid monthly maintenance charge of $5.00
  • Quarterly statements
  • A Statement Savings Account may serve as an investment vehicle for your IRA
  • ATM card available

Super Passbook

  • Minimum opening deposit - $50
  • Interest earned daily; compounded and credited monthly
  • Interest will not be paid on balances less than $1000
  • Maintain minimum balance of $100 to avoid monthly maintenance charge of $5.00
  • ATM card available

Premier Savings

  • Minimum opening deposit - $750
  • Tiered savings account which earns higher interest on larger balances.
  • Interest earned daily; compounded and credited monthly
  • Maintain minimum balance of $750 to avoid monthly maintenance charge of $7.50
  • ATM card available

Christmas Club

  • Christmas Club accounts are available in various denominations
  • Rate is variable and may change at the bankís discretion at any time
  • Interest is earned daily and credited to your account at maturity.
  • Early closing penalty - $10.00
  • Account must be completed through the 50th payment to avoid $10.00 maintenance
Certificates of Deposit
  • Minimum deposit to open a certificate is $500.
  • Interest earned from day of opening and paid until maturity date.
  • Interest may be compounded, credited to another Apple Creek Banking Company deposit account, or paid by check.
  • Substantial penalty for early withdrawal
  • For accounts that automatically renew, there is a 10-day grace period after each renewal date during which withdrawals are permitted without penalty.
Consumer Loans

The Apple Creek Banking Company offers a wide variety of consumer loan products to fulfill the needs of almost any borrower.

  • Home Mortgage (Purchasing or Refinancing)
  • College Education
  • New Automobile
  • Home Improvements
  • Vacation Travel
  • Land & Lot Loans
  • Second Mortgages
  • Lawn & Garden Tractors
  • Motorcycles
  • RVís & Campers
  • Boats
  • ATVís
In addition, The Apple Creek Banking Company offers attractive rates, fast approval time and priority service that will make your loan convenient, efficient and the perfect fit for your needs.

For details and up-to-date interest rates on our various consumer loans, please come in and talk with one of our Loan Officers today.

Installment Loans

  • Fixed interest rates
  • Financing available on new and used vehicles
  • Monthly payments by coupon book or automatic debit
  • Flexible terms

Real Estate Loans

At The Apple Creek Banking Company, we want to help you find a mortgage loan thatís a perfect fit for you and your family. Whether you are purchasing your first home, would like to move to a larger home, building your dream home, or just refinancing, it is a huge undertaking and our goal is to make the process as easy and simple as possible. Our mortgage experts will work with you to find the loan that best fits your needs.

Home Equity Line of Credit (HELOC)

These loans allow you to have a line of credit using the equity of your home. HELOCís are a great loan for people looking to make improvements or remodel a home. Your loan may also be tax deductible (consult your tax advisor).

Please contact a customer service representative for the current annual percentage yield and rate for the investment length in which you are interested.