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Personal Savings & CDs

SAVINGS

Limitations: You must deposit $1.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telelphone (including data transmission) agreement, order or instruction or by check, draft, debit card, or similar order, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, or by mail are unlimited.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart at request. Interest will not be compounded on the account. Interest will be credited to the account quarterly.

Balance Information: 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 acocunt each day. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

Account Fees: The following fees apply to this account: Savings - Excess Debit Charge: 6  Debit Excess Charge - $4.00 per item per month.

Regular CD (31 Day to 5 Year Periods)

Interest Bearing: Interest remains the same for the term of the account. Interest will not be compounded.
Minimum Opening Deposit: $1,000.
Self-renewing: You have 10 days after maturity to withdraw funds without penalty. Each renewal term period identical to opening period.

Mini CD (31 Day to 5 Year Periods)

Interest Bearing:  Interest remains the same for the term of the account. Interest will not be compounded.
Minimum Opening Deposit: $50,000.
Self-renewing: You have 10 days after maturity to withdraw funds without penalty. Each renewal term period identical to opening period.

Jumbo CD (31 Day to 5 Year Periods)

Interest Bearing: Interest remains the same for the term of the account. Interest will not be compounded.
Minimum Opening Deposit: $95,000.
Self-renewing: You have 10 days after maturity to withdraw funds without penalty. Each renewal term period identical to opening period.

IRA CD (3 Month to 3 Year Periods)

Interest Bearing: Interest remains the same for the term of the account. Interest will not be compounded.
Self-renewing: You have 10 days after maturity to withdraw funds without penalty. Each renewal term period identical to opening period.

Please call or come by for current available interest rates - Annual Percentage Yield.

 Important Disclosures

Click here for important disclosures regarding Savings & Certificates of Deposit.

Click here for New Account Application.

Click here for Switch Kit.

Click here for Preventing Fraud.

Click here for Privacy Policy.

Click here for Security Information.

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