Come Meet Our Staff

At Perpetual Federal Savings Bank, we handle the paperwork so you can focus on what matters to you.



Board of Directors

Steven R. Bohl, Chairman 
Michael R. Melvin 
M. Todd Woodruff 
David P. Vernon 
Scott A. Fannin
Christine A. Phelps


Michael R. Melvin, President / CEO - NMLS ID# 689609 
Christine A. Phelps, Exec. Vice President / Corp. Secretary 
Mary E. Heaston, Sr. Vice President 
Jared E. Riblet, Treasurer 
John M. Harrigan, Vice President - NMLS ID# 689548 
Bradley Millice, Vice President 
Jennifer J. Miller, Assistant Secretary
Eric Warrick, Assistant Treasurer

Customer Service Representatives

Tanya Comer 
April Engstrom 
Aimee Franczkowski  
Shelbe Rice 
Liza Souders 
Patti Spangler 
Tammy Stamper 
Beth Tullis 
Nancy Valentine 
Lisa Wells 
Michael Nitchman, Loan Consultant - NMLS ID# 1806612

Certificates of Deposit

Great Rates from a Stable Investment

Perpetual Federal Savings Bank specializes in CDs and understands you want to earn interest at great rates and terms from a safe, stable investment. 


Traditional IRA

Prepare for Your Comfortable Retirement

Roth or Traditional IRAs provide pre-tax and after tax investment options.


Coverdell ESA

Coverdell Education Savings Account

Perpetual Federal Savings Bank can help you invest in a loved one’s education with a Coverdell Education Savings Account.


Personal Customer Service

We have been proudly serving our community for over 140 years. We want to provide you our legendary, face to face customer service. We are here to help. Please contact us if you need any assistance.