Family discussing savings account options

Savings Accounts

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Statement Savings

Minimum deposit to open account

$100

Avg. collected balance to obtain APY

$100

Interest Rate

0.15%

Annual Percentage Yield

0.15%

Quarterly Service Charge

$3*

*NONE, if average collected balance is $250 or above.

Start your nest egg with a minimum opening deposit of $100. Maintain an average collected balance of $100 to earn Annual Percentage Yield (APY). If your average collected balance is $250 or above there is no monthly service charge. If your average collected balance falls below $250 there is a quarterly service charge of $3.00. Each withdrawal in excess of six (6) each calendar quarter will be subject to a fee of $3.00 each. Transfers from a Savings account to another account or to third parties by pre-authorized, automatic, telephone, or electronic banking transfer are limited to six (6) per month with no more than six (6) by check, draft, check card, or similar order to third parties. If transaction limitations are exceeded, the Bank reserves the right to close the account. This is a variable interest rate account. The interest rate may change after account opening.

Interest Rates and Annual Percentage Yield (APY) Effective as of August 15, 2017.

Other services provided according to special handling fee schedule

Statement Savings Minor - Senior

Minimum deposit to open account

$5

Avg. collected balance to obtain APY

$5

Interest Rate

0.15%

Annual Percentage Yield

0.15%

Begin Saving For Your Future!**

**Fees may reduce earnings on account. Excessive withdrawal fees still apply.

Begin saving for your future...open a minor savings account with a minimum opening deposit of $5.00. Maintain an average collected balance of $5.00 or above to earn Annual Percentage Yield (APY). If your average collected balance is under $5.00 APY is not earned.

Interest Rates and Annual Percentage Yield (APY) Effective as of August 15, 2017.

Other services provided according to special handling fee schedule

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.Interest begins to accrue the business day we receive a deposit. Interest is compounded and credited to your account quarterly. Transfers from a Savings account to another account or to third parties by pre-authorized, automatic, telephone, or electronic banking transfer are limited to six (6) per month with no more than six (6) by check, draft, check card, or similar order to third parties. If transaction limitations are exceeded, the Bank reserves the right to close the account. Each savings withdrawal in excess of six (6) each calendar quarter will be subject to a fee of $3.00 each. At our discretion, we may change the interest rate on this account. The interest rate and annual percentage yield may change at any time. This is a variable interest rate account. The interest rate may change after account opening.

Christmas Club Account

Minimum deposit to open account

$1

Avg. collected balance to obtain APY

$1

Interest Rate

0.15%

Annual Percentage Yield

0.15%

Holiday Shopping Can Be a Pleasure!

These are variable interest rate accounts. The interest rate may change after account opening.

Your Christmas shopping can be a pleasure if you plan and save throughout the year. Decide the amount you want your check to be in October and we'll help you set up the frequency of your savings. If any withdrawal(s) is/are made from this account before October 1st of each year, then this account will be closed. There is a fee of $5.00 accessed if the account is closed prior to the 50 week term and all accrued interest is forfeited. This is a variable interest rate account. The interest rate may change after account opening.

Interest Rates and Annual Percentage Yield (APY) Effective as of August 15, 2017.

Other services provided according to special handling fee schedule

Tiered Money Market

Minimum deposit to open account

$2,500

Minimum Average Collected Balance to Obtain APY

$1.00 - $24,999.99

0.15%

Interest Rate

0.15%

APY

$25,000 - $99,999.99

0.18%

Interest Rate

0.18%

APY

$100,000 - $199,999.99

0.20%

Interest Rate

0.20%

APY

$200,000 - $299,999.99

0.25%

Interest Rate

0.25%

APY

$300,000 - $499,999.99

0.30%

Interest Rate

0.30%

APY

$500,000 - $999,999.99

0.35%

Interest Rate

0.35%

APY

$1,000,000 - above

0.40%

Interest Rate

0.40%

APY

Tiered interest rates may pay higher rates when you maintain higher balances. If your average collected balance is $2,500 or above, there is no service charge. If your balance falls below $2,500, the monthly service charge is $10. Transfers from a Money Market account to another account or to third parties by pre-authorized, automatic, telephone, or electronic banking transfer are limited to six (6) per month with no more than six (6) by check, draft, check card, point-of-sale, electronic check or similar order to third parties. If transaction limitations are exceeded, the Bank reserves the right to close the account or convert it to another type of account. Each withdrawal over these stated limits will be charged $15.00 each.

Interest Rates and Annual Percentage Yield (APY) Effective as of August 15, 2017.

Other services provided according to special handling fee schedule

Visit a branch to open an account. Not sure which account is right for you?
Call us at 410-548-7892.