Savings Accounts

We have a full line of saving plans for you to choose from.   Whether it is a regular savings account, a higher yielding money market account, or an IRA, we are sure we can meet your savings requirements.

The Basic Savings Account
The Basic Savings Account is designed for the customer that wants easy access to their money while earning interest.   Maintain a minimum balance of $100 at all times and itís free.  Otherwise a maintenance fee of $3 per quarter will apply.


The Money Market Account
This account offers rates that grow with your balance through a tiered rate structure, but still allows you to have convenient access to your money.   Withdrawals can be made at any time in person, from our  ATM, or by telephone or online transfer. Transfers from a Money Market Account to another account or to third parties by preauthorized, automatic, or telephone or online transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.
 A maintenance fee of $5 per month will apply unless a minimum balance of $2,500 is maintained.


The IRA - Individual Retirement Account
IRAs are great savings tools due to the special laws governing their taxation.  Traditional IRAs are generally not taxed until they are distributed. Earnings on Roth and Education IRAs (Coverdell Education Savings Accounts) are generally not subject to federal taxes. Contributions to Traditional IRAs may be tax deductible. These tax advantages can result in larger savings accumulations over time when compared to ordinary savings products.


Regular Save
We know that is difficult to get in the habit of remembering to save money.  Therefore, we have established a way that you can save each month without the hassle of remembering, making a phone call, or even a trip to the bank.

Simply tell us the amount of money that you want to save monthly or weekly and we will automatically transfer it from your checking to your savings account   Minimum $5 transfer.


Certificates of Deposit
We offer competitive rates on certificates of deposit. Call us today for the latest rate information at 423-447-2931 in Pikeville, 423-949-8100 in Dunlap or 931-484-1112 in Crossville.**


*FDIC Insurance - Deposit accounts are insured by the Federal Deposit Insurance Corporation up to $100,000.   Deposits maintained in different categories of legal ownership are separately insured.  Accordingly, you can have more than $100,000 insurance coverage in a single institution if your funds are owned and deposited in different ownership categories.

**Truth-in-Savings Disclosure is available upon request.