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Account Disclosure:  Consumer Checking

 

 

 

 

 

 

Rate Information:

This is not an interest bearing account.

Minimum Balance Requirements:

There is no minimum balance required on this account.

Transaction Limitations:

There are no limitations on the number of transactions which occur on this account.

Fees and Charges:

Minimal fees are charged on this account. Penalties, however, may be charged for overdrafts, returned checks, and if there has been no activity in the account for 18 months.

 

 

 

 

Account Disclosure:  Business Checking

 

 

 

 

 

 

Rate Information:

This is not an interest bearing account.

Minimum Balance Requirements:

A minimum daily balance of $300 must be maintained or fees will be assessed.

Transaction Limitations:

There are no limitations on the number of transactions which occur on this account.

Fees and Charges:

Your account will be assessed a $4 fee and $0.10 per written check if your balance falls below $300 any day of the Monthly Statement Cycle.  Also, penalties may be charged for overdrafts, returned checks, and if there has been no activity in the account for 18 months.

 

 

Truth-in-Savings Disclosure:  Savings

 

 

 

 

 

 

Rate Information:

At our discretion, we may change the interest rate on the account daily.  Click for current rate.

Compounding and Crediting:

Interest will be compounded every quarter and credited to your account quarterly. 

Minimum Balance Requirements:

You must maintain a minimum average daily balance of $50 to obtain the disclosed annual percentage yield. 

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account.  This method applies a daily periodic rate on the account daily.

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:

You may make six (6) preauthorized transfers from your account each calendar month, three (3) of which may be made by check, draft, debit card payable to third parties or similar order (including Point of Sale transactions). Transfers and withdrawals made in person, by messenger, or by mail.

Fees and Charges:

If no transactions have taken place in (18) eighteen months the account will be flagged as dormant.  If your Account is dormant we may, if allowed by law, charge a dormant account fee on your account.

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).

 

 

 

 

Truth-in-Savings Disclosure:  Now Checking

 

 

 

 

 

 

Rate Information:

At our discretion, we may change the interest rate on the account daily.  Click for current rate.

Compounding and Crediting:

Interest will be compounded monthly and will be credited to the account monthly.

Minimum Balance Requirements:

You must maintain a minimum balance of $800 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

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 (example, checks).

Transaction Limitations:

You must deposit $800 to open this account.

Fees and Charges:

Your account will be assessed a $5 fee and $.10 per written check if your balance falls below $800 any day of the monthly statement cycle.

 

 

Truth-in-Savings Disclosure:  Super Now Checking

 

 

 

 

 

 

Rate Information:

At our discretion, we may change the interest rate on the account daily.  Click for current rate.

Compounding and Crediting:

Interest will be compounded monthly and will be credited to the account monthly

Minimum Balance Requirements:

You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

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:

You must deposit $2,500 to open this account.

Fees and Charges:

Your account will be assessed a $5 fee and $0.10 per written check if your balance falls below $2,500 any day of the monthly statement cycle.

 

 

Truth-in-Savings Disclosure:  Money Market Savings

 

 

 

 

 

 

Rate Information:

At our discretion, we may change the interest rate on the account daily.  Click for current rate.

Compounding and Crediting:

Interest will be compounded quarterly and will be credited to the account quarterly.

Minimum Balance Requirements:

You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

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:

You may make six (6) preauthorized transfers from your account each calendar month, three (3) of which may be made by check, draft, debit card payable to third parties or similar order (including Point of Sale transactions). Transfers and withdrawals made in person, by messenger, or by mail are unlimited.

Fees and Charges:

Your account will be assessed a $15 fee if your balance falls below $2,500 any day of the quarterly statement cycle.

 

 

Truth-in-Savings Disclosure: Individual Retirement Certificate Account

 

 

 

 

 

 

Rate Information:

At our discretion, we may change the interest rate on the account daily.  Click for current rate.

Compounding and Crediting:

Interest will be compounded quarterly and will be credited to the account quarterly. The annual percentage yield assumes interest will remain on deposit until maturity.

 

 

Minimum Balance Requirements:

You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

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:

You must deposit $100 to open this account.  You may not make withdrawals from your account until the maturity date or by meeting one of the IRA exemption requirements.

Time Requirements:

Your account will mature depending on the term of your certificate.

Early Withdrawal Penalties:

If you withdraw any of the principal or interest before the maturity date, we may impose a penalty of the forfeiture of ninety (90) days interest. We will use the rate in effect on the date the account is opened.

Withdrawal of Interest Prior to Maturity:

The annual percentage yield assumes interest will remain on deposit until maturity.

Automatically Renewable Account:

This account will automatically renew.

Grace Period

You will have 10 calendar days after the maturity date to withdraw funds without penalty.

 

 

Truth-in-Savings Disclosure: 6 Month Certificate of Deposit Account

 

 

 

 

 

 

Rate Information:

The interest rate will be in effect for 6 months.  Click for current rate.

Compounding Frequency:

Interest will be compounded semi-annually and will be credited semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity.

Crediting Method:

We will mail the interest in a check to you or deposit the interest in an account that you designate.

Minimum Balance Requirements:

You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on Noncash Deposits:

Interest begins to accrue no later then the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction Limitations:

You may not make additional deposits into this account. You may not make withdrawals from your account until maturity date.

Time Requirements:

Your account will mature in 6 months.

Early Withdrawal Penalties:

If you withdraw any of the principal before the maturity date, we will impose a penalty of thirty (30) days interest.

Withdrawal of Interest Prior to Maturity:

The annual percentage yield assumes interest will remain on deposit until maturity.

Automatically Renewable Account:

This account will automatically renew.

Grace Period:

You will have 10 calendar days after maturity date to withdraw funds without penalty.

 

 

 

 

Truth-in-Savings Disclosure: 12 Month Certificate of Deposit Account

 

 

 

 

 

 

Rate Information:

The interest rate will be in effect for 12 months.  Click for current rate.

Compounding Method:

Interest will be compounded semi-annually and will be credited semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity.

Crediting Frequency:

We will mail the interest in a check to you or deposit the interest in an account that you designate.

Minimum Balance Requirements:

You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on Noncash Deposits:

Interest begins to accrue no later then the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction Limitations:

You may not make additional deposits into this account. You may not make withdrawals from your account until maturity date.

Time Requirements:

Your account will mature in 12 months.

Early Withdrawal Penalties:

If you withdraw any of the principal before the maturity date, we will impose a penalty of 30 days interest.

Withdrawal of Interest Prior to Maturity:

The annual percentage yield assumes interest will remain on deposit until maturity.

Automatically Renewable Account:

This account will automatically renew.

Grace Period:

You will have 10 calendar days after maturity date to withdraw funds without penalty.

 

 

 

 

Truth-in-Savings Disclosure: 24 Month Certificate of Deposit Account

 

 

 

 

 

 

Rate Information:

The interest rate will be in effect for 24 months.  Click for current rate.

Compounding Method:

Interest will be compounded semi-annually and will be credited semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity.

Crediting Frequency:

We will mail the interest in a check to you or deposit the interest in an account that you designate.

Minimum Balance Requirements:

You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on Noncash Deposits:

Interest begins to accrue no later then the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction Limitations:

You may not make additional deposits into this account. You may not make withdrawals from your account until maturity date.

Time Requirements:

Your account will mature in 24 months.

Early Withdrawal Penalties:

If you withdraw any of the principal before the maturity date, we will impose a penalty of 90 days interest.

Withdrawal of Interest Prior to Maturity:

The annual percentage yield assumes interest will remain on deposit until maturity.

Automatically Renewable Account:

This account will automatically renew.

Grace Period:

You will have 10 calendar days after maturity date to withdraw funds without penalty.

 

 

 

 

Truth-in-Savings Disclosure: 36-Month Certificate of Deposit Account

 

 

 

 

 

 

Rate Information:

The interest rate will be in effect for 36 months.  Click for current rate.

Compounding Method:

Interest will be compounded semi-annually and will be credited semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity.

Crediting Frequency:

We will mail the interest in a check to you or deposit the interest in an account that you designate.

Minimum Balance Requirements:

You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method:

We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

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:

You may not make additional deposits into this account. You may not make withdrawals from your account until maturity date.

Time Requirements:

Your account will mature in 36 months.

Early Withdrawal Penalties:

If you withdraw any of the principal before the maturity date, we will impose a penalty of 90 days interest.

Withdrawal of Interest Prior to Maturity:

The annual percentage yield assumes interest will remain on deposit until maturity.

Automatically Renewable Account:

This account will automatically renew.

Grace Period:

You will have 10 calendar days after maturity date to withdraw funds without penalty.

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