Free Checking
NOW Checking
MMDA
Savings
Christmas Club Accounts

Free Checking

$50.00 Minimum Opening Balance
No interest earned
No monthly maintenance fee
Unlimited check writing
Free Online Banking
Free Debit Card
Free Online Bill Pay with Electronic Statement
E-mail Monthly bank statement or image statement available

NOW Account

$500.00 Minimum Opening Balance
$7.50 Minimum balance fee if daily balance drops below $500.00
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest is compounded and credited monthly
Unlimited check writing
Free Online Banking
Free Debit Card
E-mail Monthly bank statement or image statement available
Interest rate and annual percentage yield may change at our discretion

MMDA

$1,000.00 Minimum Opening Balance
$7.50 Minimum balance fee if daily balance drops below $1,000.00
Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day
Tiered interest rate structure. Interest is compounded and credited to the account monthly.
Tiers: $1,000.00 to $10,000.00
$10,000.01 to $25,000.00
Over $25,000.00
Free Online Banking
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle with no more than three (3) by check, draft, or similar order to third parties. If these transaction limitations are exceeded, a service charge fee of $7.50 per excessive item may be imposed, regardless of balance. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
Interest rate and annual percentage yield may change at our discretion
E-mail monthly bank statement or image statement available

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Savings

$50.00 Minimum Opening Balance
Interest is calculated by the daily balance method. Interest is compounded and credited to the account semiannually
Unlimited withdrawals made in person by passbook presentment
No automatic debit transactions are allowed
E-mail semi-annual bank statement available
Transfers from a Savings account to another account or to third parties by automatic or telephone transfer are limited to six (6) per month with no transfers by check, draft, debit card or similar order to third parties. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account.
Interest rate and annual percentage yield may change at our discretion

Christmas Club Accounts

$1.00 Minimum Opening balance
First payment required at opening
A check for the balance of your account plus the bonus payment (if requirements are met) will be mailed the first business day of November
No withdrawals are allowed prior to November 1st
Accounts must be opened prior to January 1st
Bonus – If you make 49 weekly deposits, then we will make the 50th

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	Free Checking NOW Checking MMDA Savings Christmas Club Accounts Free Checking $50.00 Minimum Opening Balance No interest earned No monthly maintenance fee Unlimited check writing Free Online Banking Free Debit Card Free Online Bill Pay with Electronic Statement E-mail Monthly bank statement or image statement available NOW Account $500.00 Minimum Opening Balance $7.50 Minimum balance fee if daily balance drops below $500.00 Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest is compounded and credited monthly Unlimited check writing Free Online Banking Free Debit Card E-mail Monthly bank statement or image statement available Interest rate and annual percentage yield may change at our discretion MMDA $1,000.00 Minimum Opening Balance $7.50 Minimum balance fee if daily balance drops below $1,000.00 Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day Tiered interest rate structure. Interest is compounded and credited to the account monthly. Tiers: $1,000.00 to $10,000.00 $10,000.01 to $25,000.00 Over $25,000.00 Free Online Banking Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle with no more than three (3) by check, draft, or similar order to third parties. If these transaction limitations are exceeded, a service charge fee of $7.50 per excessive item may be imposed, regardless of balance. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Interest rate and annual percentage yield may change at our discretion E-mail monthly bank statement or image statement available return to top Savings $50.00 Minimum Opening Balance Interest is calculated by the daily balance method. Interest is compounded and credited to the account semiannually Unlimited withdrawals made in person by passbook presentment No automatic debit transactions are allowed E-mail semi-annual bank statement available Transfers from a Savings account to another account or to third parties by automatic or telephone transfer are limited to six (6) per month with no transfers by check, draft, debit card or similar order to third parties. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Interest rate and annual percentage yield may change at our discretion Christmas Club Accounts $1.00 Minimum Opening balance First payment required at opening A check for the balance of your account plus the bonus payment (if requirements are met) will be mailed the first business day of November No withdrawals are allowed prior to November 1st Accounts must be opened prior to January 1st Bonus – If you make 49 weekly deposits, then we will make the 50th return to top









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