CHECKING
MONEY MARKET
SAVINGS, CDS & IRAs
For individuals maintaining moderate balances and writing many checks.
| Minimum Deposit to Open | $500 |
| Monthly Maintenance Fee | $13 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $1,000 |
| Per Debit Fee | Up to 50 free debits per statement cycle. $.10 per debit over 50 |
A variable interest earning account.
| Minimum Deposit to Open | $1,000 |
| Monthly Maintenance Fee | $16 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $2,500 |
| Per Debit Fee | Up to 50 free debits per statement cycle. $.10 per debit over 50. |
INTEREST TIERS(1)
$2,500 - $9,999
$10,000 - $49,999
$50,000 - $99,999
$100,000 +
A higher interest earning variable tiered rate money market account.
| Minimum Deposit to Open | $25,000 |
| Monthly Maintenance Fee | $25 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $25,000 |
| Withdrawals | Unlimited if made in person, by mail, messenger or at the ATM |
| Transfers/Debits | Up to 6 preauthorized, automatic or telephone transfers, check, POS or ACH |
| Excess Debit Fee | $10 per item |
INTEREST TIERS(1)
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 +
A variable rate, non-tiered money market account.
| Minimum Deposit to Open | $2,500 |
| Monthly Maintenance Fee | $15 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $2,500 |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
| Transfers/Debits | Up to 6 preauthorized, automatic or telephone transfers, checks, POS or ACH |
| Excess Debit Fee | $10 per item |
| Interest(1) | Compounded daily and paid
monthly on daily ledger balances. |
SAVINGS, CDs & IRAs
A variable rate regular savings account.
| Minimum Deposit to Open | $200 |
| Quarterly Maintenance Fee | $10 |
| Daily Minimum Balance to Waive the Quarterly Maintenance Fee | $500 |
| Excess Debit Fee | $10 per item |
| Interest(1) | Compounded daily and paid quarterly on average ledger balances |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
| Transfers | Up to 6 preauthorized, automatic or telephone transfers, checks, POS or ACH |
| Excess Withdrawal Fee | $1 for each withdrawal over 3 per month |
Certificates of Deposit
Certficates of Deposit offering various rates and terms.
| Minimum Deposit to Open | $2,500 |
| Monthly Maintenance Fee | None |
| Interest | Fixed |
| Withdrawals | Early withdrawal penalty may apply |
INTEREST TIERS(2)
$2,500 - $99,999
$100,000 +
Individual Retirement Accounts
A tax deferred retirement savings plan offering fixed rates.
| Minimum Deposit to Open | $200 |
| Interest | Fixed |
| Withdrawals | Early withdrawal penalty may apply |
INTEREST TIERS(2)
$200 - $99,999
$100,000 +
The term “month” or “monthly” refers to the given cycle for the designated account.
(1)The interest rate and annual percentage yield will depend on the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. Interest begins to accrue the date of deposit. Interest will be compounded daily and will be credited to the account monthly or quarterly. If the account is closed before interest is credited you will not receive the accrued interest.
(2)The interest rate and annual percentage yield will depend on the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. Interest begins to accrue the date of deposit. Interest will not be compounded. Interest may be paid monthly, quarterly, annually or at maturity.
(3)The Overdraft Fee for Paid Items applies to overdrafts created by check, in-person withdrawal, or other electronic means.
