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Type of Account |
Miniumum Deposit
to open Account |
Minimum Balance
For Annual
% Yield |
Annual Percentage Yield |
Compound |
Annual
Interest Rate |
|
| NOW |
NOW |
$500 |
$1,000 |
0.75% |
Monthly |
0.75% |
|
| Super Now |
$1,000 |
$2,500 |
0.75% |
Monthly |
0.75% |
|
| MMDA |
$500 |
2,500 to 9,999.99
10,000 to 24,999.99
25,000.00 UP |
2.02%
2.27%
2.53% |
Monthly
Monthly
Monthly |
2.00%
2.25%
2.50% |
effective 03/03/08 |
| C/D |
Savings |
$5 |
|
1.51% |
6 Months |
1.50% |
|
Time Deposits
91-Day |
$2,500 |
$2,500 |
2.52% |
Maturity |
2.50% |
Renewable |
| 182 Day |
$2,500 |
$2,500 |
2.77% |
Maturity |
2.75% |
Renewable |
| 5 Month Special |
$10,000 |
$10,000 |
2.77% |
Maturity |
2.75% |
Renewable |
| 7 Month Special |
$10,000 |
$10,000 |
2.77% |
Maturity |
2.75% |
Renewable |
| 9 Month Special |
$10,000 |
$10,000 |
2.76% |
Maturity |
2.75% |
Renewable |
| 12 Months |
$1,000 |
$1,000 |
2.77% |
6 Months |
2.75% |
Renewable |
| Tot To Teen |
$250 |
$250 |
3.79% |
6 Months |
3.75% |
Renewable |
| 18 Months |
$1,000 |
$1,000 |
2.87% |
6 Mos. and Mat. |
2.85% |
Renewable |
| 24 Months |
$1,000 |
$1,000 |
3.02% |
6 Months |
3.00% |
Renewable |
| 36 Months |
$1,000 |
$1,000 |
3.28% |
6 Months |
3.25% |
Renewable |
| IRA |
IRA 18 Months |
$250 |
$250 |
3.28% |
6 Mos. and Mat. |
3.25% |
Renewable |
"In the event that the Depositor is allowed to withdraw all or part of his/her deposit before maturity, a "substantial penatly" will be imposed."
INTEREST RATES EFFECTIVE 03/03/08, RATES SUBJECT TO CHANGE
| |
Free Checking |
Advantage
Checking** |
Premier
Checking* |
NOW |
MMDA*** |
Savings |
| Minimum balance to open |
$100.00 |
$100.00 |
$350.00 |
$500.00 |
$500.00 |
$50.00 |
| Minimum balance required |
N/A |
N/A |
$350.00 |
$1,000.00 |
$2,500.00 |
$250.00 |
| Service Charge |
N/A |
$6.00 |
$8.00
if below min. |
N/A |
N/A |
$5.00
if below min. |
| Interest Paid if below minimum |
|
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| Statement Type |
|
|
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Semi Annually |
Checks allowed per Month
for free |
25 |
50 |
Unlimited |
Unlimited |
6 |
6 |
| Fee per Check after minimum |
$0.30 |
$0.30 |
|
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$1.00/withdrawal |
| Debit Card (if approved) |
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Internet Banking
(if approved) |
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| Bill Pay (if approved) |
$3.95 |
$3.95 |
|
$3.95 |
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| Per bill fee |
if more than 6
$0.75/bill |
if more than 6
$0.75/bill |
if more than 6
$0.75/bill |
if more than 6
$0.75/bill |
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| Telephone Banking |
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| Free Cashiers Checks/MO |
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| Free Travelers Checks |
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| Lock Box Rent |
|
1st year free |
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| Zipper Bag |
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Acct Closed with
12 months penalty |
$20.00 |
$20.00 |
$20.00 |
$20.00 |
|
$20.00 |
| Free Checks |
|
2 boxes/year |
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Service Charge waived
if student |
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*If current account is Regular checking you will switch to a Premier account on November 1, 2005
**If you currently have an advantage account please note changes as of November 1, 2005
***Minimum check amounts apply, please contact us
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