Regular Savings & Club Accounts
|
Product
|
Compounding Method
|
Interest Rate
|
APY**
|
Additional Information
|
|---|
|
Passbook Savings Account
|
Daily (365/365)
|
0.10%
|
0.10%
|
Initial deposit of $50.00 required. Minimum balance to earn the APY is $50.00
|
|
Statement Savings Account W/ATM Card
|
Daily (365/365)
|
0.10%
|
0.10%
|
Initial deposit of $50.00 required. ATM Card available. Minimum balance to earn the APY is $50.00
|
|
Holiday Club
|
Interest not Compounded
|
0.10%
|
0.10%
|
The amount of Club Account available are $10, $20 and $25
|
|
Vacation Club
|
Interest not Compounded
|
0.10%
|
0.10%
|
The amount of the Club Account available are $10, $20 and $25
|
|
Kid Savers Account
|
Daily (365/365)
|
0.20%
|
0.20%
|
Initial deposit of $1 required. Minimum balance to earn the APY is $1.00
|
**APY = Annual Percentage Yield
This is a variable interest rate account. Rates, Terms and Conditions are subject to change at management's discretion without notice. Fees may reduce earnings.
Money Market Savings
|
Product
|
Compounding Method
|
Interest Rate
|
APY**
|
Additional Information
|
|---|
|
Money Market Passbook
|
Daily (365/365)
|
0.10%
|
0.10%
|
Initial deposit of $1000 required. Minimum to earn the APY is $1,000
|
|
Premium Tiered Money Market Account
|
Daily
(365/365) |
Tier 1
0.15%
|
Tier 1
0.15%
|
1st Tier balance requirement is $10,000 to $49,999.99. Initial deposit to open is $10,000.00. Minimum balance to earn APY is $10,000.00
|
|
Premium Tiered Money Market Account
|
Daily
(365/365)
|
Tier 2
0.20%
|
Tier 2
0.20%
|
2nd Tier balance requirement is $50,000.00 and over. Minimum balance to earn APY is $50,000.
|
This is a variable interest rate account. Rates, Terms and Conditions are subject to change at management's discretion without notice. Fees may reduce earnings.
Personal Checking
|
Product
|
Interest Rate
|
APY**
|
Interest Credited
|
Balance For No Fee
|
|---|
|
Senior Checking
|
0.10%
|
0.10%
|
Monthly
|
No minimum required
|
|
Now Checking
|
0.10%
|
0.10%
|
Monthly
|
$100 minimum daily required
|
|
Community Checking
|
0.10%
|
0.10%
|
Monthly
|
N/A
|
|
Totally Free Checking
|
0.10%***
|
0.10%***
|
Monthly
|
No minimum required
|
This is a variable interest rate account. Rates, Terms and Conditions are subject to change at management's discretion without notice. Fees may reduce earnings.
***Totally Free Checking offers an introductory rate of 0.10% APY guaranteed for 6 Months on balances up to $10,000; 0.10% on balances over $10,000.
Business Checking
|
Product Title
|
APY**
|
Interest Credited
|
Additional Information
|
Balance For No Fee
|
|---|
|
Small Business Checking*
|
0.10%
|
Monthly
|
Initial deposit of $100 required to open.
|
$100 balance required for no monthly fee
|
| Business Checking |
Non-Interest Bearing
|
N/A
|
Initial deposit of $100 required to open.
|
$100 balance required for no monthly fee.
|
*This is a variable interest rate account. Rates, Terms and Conditions are subject to change at management's discretion without notice. Fees may reduce earnings.
Certificate of Deposits & IRAs
|
Product Title
|
Minimum to Open and Earn APY**
|
Interest Rate
|
APY**
|
Interest Credited
|
|---|
|
91 Days
|
$1,000.00
|
0.15% |
0.15% |
End of Term
|
|
99 Days
|
$1,000.00
|
0.15% |
0.15% |
End of Term
|
|
5 Months
|
$1,000.00
|
0.15% |
0.15% |
End of Term
|
|
6 Months
|
$1,000.00
|
0.20% |
0.20% |
End of Term
|
|
7 Months
|
$1,000.00
|
0.25% |
0.25% |
End of Term
|
|
12 Months
|
$1,000.00
|
0.25% |
0.25% |
Monthly or Quarterly
|
|
13 Months
|
$1,000.00
|
0.15% |
0.15% |
Quarterly
|
|
18 Months
|
$1,000.00
|
0.35% |
0.35% |
Quarterly
|
|
18 Month Flexible
|
$1,000.00
|
0.35% |
0.35% |
Monthly
|
|
18 Month Variable
Available For IRA Only
|
$1,000.00
|
0.35% |
0.35% |
Monthly
|
|
24 Months
|
$1,000.00
|
0.30% |
0.30% |
Quarterly
|
|
30 Months
|
$1,000.00
|
0.30% |
0.30% |
Quarterly
|
|
36 Months
|
$1,000.00
|
0.30% |
0.30% |
Quarterly
|
|
36 Months Flexible
|
$1,000.00
|
0.30% |
0.30% |
Quarterly
|
|
48 Months
|
$1,000.00
|
0.30% |
0.30% |
Quarterly
|
|
60 Months
|
$1,000.00
|
0.50% |
0.50% |
Quarterly
|
**The Annual Percentage Yield (APY) on all Certificate of Deposits and IRAs is calculated using daily (365/365); Interest Rates subject to change without notice. Penalty for early withdrawal from a Certificate of Deposit will reduce earnings and Annual Percentage Yield.
|