Deposit Products

Minimum balance to avoid imposition of fees

A minimum balance fee of $2.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.

A service charge fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if the minimum daily balance falls below $300.00 during the statement cycle.
No fees will apply to bank employees, churches, nonprofit organizations, or students.

ATM/Debit Card transactions (Point of Sale or ATM withdrawals) are not charged a $.15 per transaction fee.

Fees: A Club account fee of $5.00 (single) or $7.50 (family) will be charged each month. This fee will be reduced to 50% for customers over 65 years of age when notified by customer.

Rate Information - Your interest rate and annual percentage yield may change.

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.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A minimum balance fee of $2.00 will be imposed every monthly statement cycle if the balance in the account falls below $1,000.00 any day of the monthly statement cycle. (This fee is waived if you have a club account).

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

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 principal in the account for each day.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Fees: A service charge fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if the daily balance falls below $1,000.00 and day during the statement cycle. (This fee is waived if you have Club account).

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate change - 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.

Minimum balance to open the account - You must deposit $5,000.00 to open this account.

Minimum balance to avoid imposition of fees - A minimum balance fee of $2.00 will be imposed every monthly statement cycle if the balance in the account falls below $5,000.00 any day of the monthly statement cycle. (This fee is waived if you have Club account).

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $5,000.00 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 your account. This method applies a daily periodic rate to the .

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Fees: A service charge fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if the daily balance falls below $5,000.00 any day during the statement cycle. (This fee is waived if you have a Club account).

Rate Information - Your interest rate and annual percentage yield may change.

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.

Minimum balance to open the account - You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees - A minimum balance fee of $5.00 will be imposed every monthly statement cycle if the balance in the account falls below $2,500.00 any day of the monthly statement cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum average balance of $2,500.00 to obtain the disclosed annual percentage yield. 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.

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 non-cash deposits - Interest begins to accrue on the business day you deposit non-cash 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 with no more then three by check, draft, or similar order to third parties.

Fees : A excess activity penalty fee of $5.00 will be charged for transactions (withdrawal, check paid, automatic transfer or payment out of this account) exceeding six total per month.

Rate Information - Your interest rate and annual percentage yield may change.

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.

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 month.

Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Transaction limitations : Transfers from a Savings account to another account or to third parties by preauthorized, or automatic, or telephone transfer are limited to six per month with no transfers by check, draft, or similar order to third parties.