These are the latest policies that have been reviewed and approved.  Each policy is password protected. The same password for all policies but could be in upper case or lower case.  The date shown is the last review and revision date.
All policies are reviewed annually by the Board of Directors.      Click here for this month's policies for review.

ACH Policy 01.25.24
ALL (Allowance for Loan Losses) Policy 01.20.2022 REPLACED with CECL
Asset and Liability Management Policy 01.25.24

Bank Bribery Act Policy  02.22.24

BSA Compliance Policy and Program 12.22.23
BYLAWS  05.31.17

Capital Improvement Policy 02.22.24
CECL (Current Expected Credit Loss) replaces the ALL policy.  01.25.24
Charge Off Policy   06.15.2023
Concentration Risk Policy 02.22.24
Code of Ethics and Conflict of Interest Policy 02.22.24
Corporate Credit Card Policy 05.18.2023
Cyber Security Risk Assessment Program  05.18.2023
Debit Card Policy 10.19.23  
Disaster Recovery Policy 06.15.2023
Dormant Accounts and Escheat Policy 04.18.24
Electronic Signature Policy  11.16.23
Employee Background Check Policy 04.18.2024
Fixed Assets Prepaid Expenditures 09.21.2023
Fraud Policy 04.18.2024
Funds Availability Policy 03.21.2024
Identity Theft - Red Flag Policy and Program 03.21.2024
Information Security and Incident Response  05.18.2023
Internal Control Policy 06.15.2023
Internet Policy - now incorporated in the IS policy (above)
Investments Policy - now in the ALM policy
IT (Information Technology) and Risk Assessment Policy  05.18.2023
Life Threatening and Disabling Illness Policy   07.20.2023
Liquidity Policy incorporated in ALM policy in 2017
Loan Collection and Loan Modification Policy 06.15.2023
Loan Policy, Consumer and Mortgage Loans  04.18.2024
Marketing policy          08.24.23
Microcomputer Policy - now incorporated in the IS policy.
Military Lending Act 11.16.2023
Overdraft and Negative Share Accounts Policy 10.19.23
Personnel Policy 12.22.23 updated
Privacy Policy 09.21.2023
Record Retention Policy 09.21.2023
Remote Capture Deposit 12.22.23
SAFE Act Policy 01.25.24
Security Policy  08.24.23
Sexual Harassment policy 10.19.23
Social Media Policy 07.20.23 (new in 2022)
Soldiers and Sailors Civil Relief Act Policy 08.24.23
Succession Plan 10.19.23
Teller Cash Management Policy  June 15,2023
Unlawful Internet Gambling Enforcement11.16.2023
Vendor Management Policy  03.21.2024
Vendor Management PROGRAM 03.21.2024
Website Policy     12.21.23
Whistleblower Policy   12.22.23
Wire Transfer Policy     12.22.23

01.31.24 packet
02.29.24 packet
03.31.24 packet
04.30.24 packet for 05.22.24 meeting