Great Rates

Deposit Rates

 

Rates effective as of: September 26, 2013

Checking and Savings Rates

Balance Range Minimum to Open Account

Minimum Daily Balance to Obtain APY1

Interest Rate Annual Percentage Yield

 

Personal Interest Checking2

$0.01 or greater $50 $0.01 0.05% 0.05%

High Interest Checking

$0.01 to $1,499.99 $50 $0.01 0.05% 0.05%
$1,500.00 to $24,999.99 l $1,500 0.05% 0.05%
$25,000 or greater l $25,000 0.10% 0.10%

Business Interest Checking3

$0.01 to $1,499.99 $50 $0.01 0.05% 0.05%
$1,500.00 to $24,999.99 l $1,500 0.05% 0.05%
$25,000.00 or greater l $25,000 0.10% 0.10%

Regular Savings

$50.00 or greater $50 $50 0.05% 0.05%

Preferred Savings

$50.00 to $2,499.99 $50 $50 0.05% 0.05%
$2,500.00 to $49,999.99 l $2,500 0.05% 0.05%
$25,000.00 or greater l $25,000 0.10% 0.10%

High Interest Money Market4

$0.01 to $9,999.99 $50 $0.01 0.10% 0.10%
$10,000.00 to $24,999.99 l $10,000 0.15% 0.15%
$25,000.00 to $49,999.99 l $25,000 0.20% 0.20%
$50,000.00 to $99,999.99 l $50,000 0.25% 0.25%
$100,000.00 or greater l $100,000 0.45% 0.45%
 

Rates effective as of: September 25, 2013

CD and IRA (Time Deposit) Rates

Account Term Minimum to Open Account Minimum Balance to Obtain APY5 Interest Rate Annual Percentage Yield
 

CD Specials

-

- - - -

Time Deposits

3 months $5,000 $5,000 0.10% 0.10%
6 Months $5,000 $5,000 0.20% 0.20%
12 Months $5,000 $5,000 0.40% 0.40%
24 Months $5,000 $5,000 0.50% 0.50%
36 Months $5,000 $5,000 0.70% 0.70%
48 Months $5,000 $5,000 0.85% 0.85%
60 Months $5,000 $5,000 1.00% 1.00%

Disclosures

1 Based on the daily balance method. Fees may reduce earnings and rate may change after account is opened.
2 Personal Interest Checking Accounts include: 50 N' Better Free Interest Checking, VIP Free Interest Checking, Low Minimum Interest Checking, No Minimum Interest Checking, and e-Conomy Interest Checking.
3 For accounts opened June 2, 2008 or later.
4Fees may reduce earmings. Substantial penalties for early withdrawls.

 

Fee Schedule

Fees effective as of: December 20, 2010
All fees are subject to change at the discretion of the bank.

Fees Applicable To All Deposit Accounts

l l
Account Activity Printout $5.00
Account Reconciliation $25.00 Per Hour
Account Research $25.00 Per Hour
Check Reject Fee $5.00 Per Check
Copies of Statements $5.00
Retrieval of Paid Checks (per copy) $5.00
Garnishment/Levies $50.00
Overdraft Continuous (after 5 business days) $5.00 Per Day
Replacement of Lost or Stolen ATM/Debit Card $5.00 Per Card
Returned Deposited/Cashed Item $5.00
Stop Payment $25.00
NSF Paid Item Fee $25.00
NSF Returned Item Fee $27.00
Undeliverable Statements $5.00

 

Miscellaneous Fees

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Official Checks: Customer $5.00
Official Checks: Non-Customer $10.00
Domestic Wire Transfer (Incoming) $15.00
Domestic Wire Transfer (Outgoing) $20.00
International Wire Transfer (Incoming) $25.00
International Wire Transfer (Outgoing) $45.00
Incoming Fax $1.00 Per Page
Outgoing Fax $1.00 Per Page
Wire Investigation (All) $75.00
Replacement of Lost Token (All) $15.00
Check Cashing (Up to $1000) Non-Customer $5.00
Notary Service: Customer No Charge
Notary Service: Non-Customer $1.00
Photocopies $0.25 Per Page