CHECKING
MONEY MARKET
SAVINGS, CDS & IRAs
For individuals maintaining moderate balances and writing many checks.
| Minimum Initial Deposit | $500 |
| Monthly Maintenance Fee | $12 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $1,000 |
| Check Access | Up to 50 free debits per statement cycle. $.10 per debit over 50 |
| ATM and POS Transactions | Unlimited/free STAR & PLUS System network locations. 3rd party charges may apply. |
| Overdraft Protection | Available upon credit approval |
| Free 24-hour online banking, bill payment and check images |
Uniquely designed for depositors age 55 and better
| Minimum Initial Deposit | $200 |
| Monthly Maintenance Fee | $8 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $1,000 |
| Check Access | Up to 50 free debits per statement cycle. $.10 per debit over 50 |
| ATM and POS Transactions | Unlimited/free STAR & PLUS System network locations. 3rd party charges may apply |
| Overdraft Protection | Available upon credit approval |
| Free 24-hour online banking, bill payment and check images |
A variable interest earning account for individuals maintaining higher balances.
| Minimum Initial Deposit | $500 |
| Monthly Maintenance Fee | $14 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $2,500 |
| Check Access | Up to 50 free debits per statement cycle. $.10 per debit over 50. |
| ATM and POS Transactions | Unlimited/free STAR & PLUS System network locations. 3rd party charges may apply. |
| Overdraft Protection | Available upon credit approval |
| Free 24-hour online banking, bill payment and check images |
INTEREST TIERS*
$2,500 - $9,999
$10,000 - $49,999
$50,000 +
A higher interest earning variable rate money market account.
| Minimum Initial Deposit | $2,500 |
| Monthly Maintenance Fee | $15 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $2,500 |
| Check Access | Up to 3 checks, POS or ACH items per statement cycle |
| Withdrawals | Unlimited if made in person, by mail, messenger or at an ATM |
| Transfers | Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH |
| Excess Debit Fee | $10 |
INTEREST TIERS*
$2,500 - $9,999
$10,000 - $49,999
$50,000 +
A higher interest earning variable tiered rate money market account.
| Minimum Initial Deposit | $25,000 |
| Monthly Maintenance Fee | $25 |
| Daily Minimum Balance to Waive the Monthly Maintenance Fee | $25,000 |
| Check Access | Up to 3 checks, POS or ACH items per statement cycle |
| Withdrawals | Unlimited if made in person, by mail, messenger or at the ATM |
| Transfers | Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH |
| Excess Debit Fee | $10 |
INTEREST TIERS*
$10,000 - $24,999
$25,000 - $49,999
$50,000 +
SAVINGS, CDs & IRAs
A variable rate regular savings account.
| Minimum Initial Deposit | $200 |
| Quarterly Maintenance Fee | $10 |
| Daily Minimum Balance to Waive the Quarterly Maintenance Fee | $500 |
| Excess Debit Fee | $1 per transaction exceeding 3 in any calendar month |
| Interest* | Compounded daily and paid quarterly on daily collected balances |
| Withdrawals | Unlimited if made in person or at an ATM |
| Transfers | Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH |
Free 24-hour online banking, bill payment and check images. |
A premium variable tiered rate account featuring high market interest rates.
| Minimum Initial Deposit | $25,000 |
| Quarterly Maintenance Fee | $25 |
Monthly Average Balance to Waive the Quarterly Maintenance Fee |
$25,000 |
| Excess Debit Fee | $10 per transaction exceeding 6 in any calendar month |
| Interest* | Compounded daily and paid quarterly on daily collected balances |
| Withdrawals | Unlimited if made in person or at an ATM |
| Transfers | Up to 6 preauthorized, automatic or telephone transfers, 3 of which may be made by check, POS or ACH |
Free 24-hour online banking, bill payment and check images. |
IINTEREST TIERS*
$10,000 - $24,999
$25,000 +
Time Deposits offering various rates and terms.
| Minimum Initial Deposit | $2,500 |
| Monthly Maintenance Fee | None |
Interest |
Fixed |
| Withdrawals | Early withdrawal penalty may apply |
INTEREST TIERS**
$2,500 - $99,999
$100,000 +
Individual Retirement Accounts
A tax deferred retirement savings plan offering fixed rates.
| Minimum Initial Deposit | $200 |
| Annual Maintenance Fee | $30 |
| Interest | Fixed |
| Withdrawals | Early withdrawal penalty may apply |
INTEREST TIERS**
$200 - $99,000
$100,000 +
The term “month” or “monthly” refers to the given cycle for the designated account.
*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 no later than the business day we receive credit for the deposit of noncash items. Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.
**The interest and annual percentage yield depends upon 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 no later than the business day we receive credit for the deposit of noncash items. Interest will be compounded daily and will be credited to the account at maturity. Interest may be paid monthly, quarterly, annually or at maturity.
