Rates & Fees

The following rates are effective

February 27th, 2015.

Time Certificate of Deposits (CD's) and IRA's

Account Type Interest Rate Annual Percentage Yield
3 Month CD 0.10% 0.10%
6 Month CD 0.25% 0.25%
12 Month CD 0.37% 0.37%
12 Month Accumulator CD 0.37% 0.37%
18 Month CD 0.40% 0.40%
24 Month CD 0.45% 0.45%
30 Month CD 0.60% 0.60%
36 Month CD 0.65% 0.65%
48 Month CD 1.10% 1.10%
12 Month Accumulator IRA 0.52% 0.52%
18 Month IRA 0.55% 0.55%
24 Month IRA CD 0.60% 0.60%
30 Month IRA CD 0.75% 0.75%
36 Month IRA CD 0.80% 0.80%

A SUBSTANTIAL PENALTY IS IMPOSED ON EARLY WITHDRAWALS.
ANNUAL PERCENTAGE YIELD ASSUMES INTEREST WILL REMAIN IN DEPOSIT UNTIL MATURITY.

CD Calculator

Interest Rates on NOW account and Money Market Checking Accounts

Account Interest Rate Account Value Annual Percentage Yield
NOW Checking 0.08% Any Value 0.08%
Money Market Checking 0.00% ($0 to $999.99) 0.00%
0.15% ($1,000 to $19,999.99) 0.15%
0.20% ($20,000 to 49,999.99) 0.20%
0.20% ($50,000 to $99,999.99) 0.20%
0.25% ($100,000 and above) 0.25%

THE ABOVE REFERENCED ANNUAL PERCENTAGE YIELD ASSUMES MONTHLY COMPOUNDING OF INTEREST AND A MONTHLY CREDITING FREQUENCY.

FEES MAY AFFECT EARNINGS ON THE ACCOUNT.
RATES MAY CHANGE AFTER THE ACCOUNT IS OPENED.

Interest Calculator

Savings Account Information

Account Interest Rate Annual Percentage Yield
Savings 0.12% 0.12%

THE ANNUAL PERCENTAGE YIELD ON SAVINGS ASSUMES QUARTERLY COMPOUNDING OF INTEREST AND A QUARTERLY CREDITING FREQUENCY.
SAVINGS ACCOUNT BALANCES UNDER $50.00 DO NOT EARN INTEREST.
INTEREST AND ANNUAL PERCENTAGE YIELD MAY CHANGE AT OUR DISCRETION.

Savings Calculator     Savings Goals     Interest Calculator

ADDITIONAL FEES RELATED TO VARIOUS BANKING ACTIVITIES

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Effective May 1, 2014

Check Printing fee depends on style of check ordered
Garnishments $75.00
Levies $75.00
Overdraft (each debit or check paid) $25.00
Non-sufficient funds (NSF) item (each) $25.00
Account Research $30.00 per hour
Copies $0.25 each
Account balancing assistance $30.00 per hour
Copies $0.25 each
Return item charge $6.00 each
Telephone transfer - Over $100 FREE
Telephone transfer - Under $100 $2.00
Counter Checks $0.25 each
Stop payments (good for six months) $25.00
Photocopies $0.25 per item
Wire transfer - incoming
Customer $10.00
Non-customer $15.00
Wire transfer - outgoing
Customer $20.00
Non-customer $40.00
Foreign (customer) $40.00
Statements
Statement - reprint $5.00
Statement - instant $2.00
Additional monthly mailed statement $3.00
Hold statement $3.00
Return mail $3.00
Verification of deposit and credit ratings $5.00
Non-customer check cashing (per check) the greater of $35.00 or 2% of check
Collections - Incoming  (Plus any payee bank processing fees.) $25.00
Collections - Outgoing  (Plus any payee bank processing fees.) $25.00
Fax
Customer (two pages) $2.00
Non-customer (two pages) $5.00
Additional pages $1.00 each additional page
Dormant fee $5.00
Accounts closed in first 90 days $35.00
Cashier checks $5.00
Official Checks $5.00
Money Orders $4.00
Safe Deposit Box Drilling $200.00
Safe Deposit Key Replacement $15.00 each
We may require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawals.

Bill Pay

Monthly Fee FREE
Check Copy Mailed or Faxed $5.00
Check copy mailed to Merchant $7.00
Overnight Carrier Delivery Charge per item $15.00
Special/Custom Report charge $25.00
Research fee for items over 8 months old $25.00