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  • Minimum balance to open the account – You must deposit $100.00 to open this account.
  • No Minimum Balance Requirement
  • No Limit on Transactions
  • Truncated statement
  • Fees:  A service fee of $3.00 will be charged each month.
  • Minimum balance to open the account – You must deposit $500.00 to open this account.
  • Minimum balance to avoid imposition of fees – A service fee of $10.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1000.00 or a minimum average daily balance of $2500.00 for the month.
  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your  account at any time.
  • Frequency of rate changes – We may change the interest rate on your account at any time.
  • Determination of rate – At our discretion, we may change the interest rate on your account.
  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $1,000.00 to open this account.
  • Minimum balance to avoid imposition of fees – A service fee of $15.00 will be imposed every monthly statement cycle unless you maintain either a minimum daily balance of $2500.00 or a minimum average daily balance of $5000.00 for the month.
  • Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use is the monthly statement cycle.
  • Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your  account at any time.
  • Frequency of rate changes – We may change the interest rate on your account at any time.
  • Determination of rate – At our discretion, we may change the interest rate on your account.
  • Compounding and crediting frequency – Interest will be compounded every month.  Interest will be credited to your account every month.
  • Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $1,000.00 to open this account.
  • Minimum balance to avoid imposition of fees – A service fee of $15.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $2,500.00  or a minimum average daily balance of $5000.00 for the monthly statement cycle.
  • Average daily balance computation method – You use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use is the  monthly statement cycle.
  • Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Transaction limitations – Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month.
  • Fees – An excess withdrawal fee of $5.00 will be charged for each check in excess of three during a statement cycle.
  • Rate Information – At our discretion, we may change the interest rate and annual percentage yield on your account at any time.
  • Frequency of rate changes – We may change the interest rate on your account at any time.
  • Compounding and crediting frequency – Interest will be compounded every quarter.  Interest will be credited to your account every quarter.
  • Effect of closing an account – If your close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account – You must deposit $25.00 to open this account.
  • Minimum balance to avoid imposition of fees – A service fee of $2.50 will imposed every statement cycle unless you maintain either a minimum daily balance of $100.00 or a minimum average daily of $300.00 for the statement cycle.  (This fee will be waived for minors under the age of 18 and we have been notified.)
  • Average daily balance computation method – You use the average daily balance method to calculate the interest on your account.  This method applies a periodic rate to the average daily balance in the account for the period.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  The period we use is quarterly.
  • Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
  • Transaction limitations – Transfers from this account to third parties by preauthorized, automatic, or telephone transfer are limited to three per statement cycle with no transfers by check, draft, or similar order to third parties.
  • Fees – An excess withdrawal fee of $1.00 will be charged for each withdrawal in excess of nine during a quarter.

Deposit Account Rates (Checking & Savings)

Personal Deposit AccountsMiniumum Daily Balance to obtain Annual Percentage Yields (APY) *Annual Interest RateAnnual Percentage Yield (APY)**

Select Set

$5,000.00 Combined Balance***

0.145%

0.150%

Interest Checking

$1,000.00

0.145%

0.150%

Rewards Checking (tiereed rate)

up $10,000 - Qualifying Balance

0.745%

0.750%


Over $10,000 - Qualifying Balance

0.150%

0.150%


Non-Qualifying Balance

0.050%

0.050%

Money Market Savings (tiered rate)

$0.00 - $9,999.99

0.145%

0.150%


$10,000.00 - $49,999.99

0.195%

0.200%


$100,000 - $499,999.00

0.395%

0.400%


$500,000 and over

0.495%

0.500%

Savings Account

$100.00

0.250%

0.250%

Christmas Club Account****

$2.00

1.000%

1.000%

Summer Savings Club

$2.00

0.500%

0.500%

Health Savings Account (tiered rate)

0.00 - $999.99

0.100%

0.100%


$1,000 and up

1.240%

1.250%

Business Deposit Accounts

Miniumum Daily Balance to obtain Annual Percentage Yields (APY) *

Annual Interest Rate

Annual Percentage Yield **

Business Interest Checking

$1,000.00

0.145%

0.150%

Business Money Market

$0.00 - $9,999.99

0.145%

0.150%

$10,000.00 - $49,999.99

0.195%

0.200%

$50,000.00 - $99,999.99

0.295%

0.300%

$100,000 - $499,999.00

0.395%

0.400%

$500,000 and over

0.495%

0.500%

$100.00

0.250%

0.250%