Savings/Money Market/CDs

Savings Account

• $100 opening balance
  
• Earn interest daily
  
• Interest credited quarterly
  
• Quarterly statements
  
• Fees may reduce earnings
  
• Personal and Business Savings accounts with an average daily balance under $100 - $5.00 monthly Service Charge (Individuals 22 years old or younger are exempt from charges upon notification to us of date of birth)
  

Tiered Money Market Account

• Earn interest daily on any balance
  
• Minimum opening balance $2,500
  
• Interest credited monthly
  
• Fees may reduce earnings
  
• $10 Service charge if daily balance below $2,500 any day during the calendar month
  
• $20 Service charge if daily balance below $1,000 any day during the calendar month
  
• Quarterly Statements

Limitations on frequency of transfers - During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any monthly period, your account may be reclassified as a transaction account where repeated abuse of the limits occurs.

Certificate of Deposits

We offer certificates of deposit with maturities ranging from 91 days to 60 months.

• $1,000 minimum opening balance
  
• $1,000 minimum daily balance to obtain the disclosed annual percentage yield
  
• Fees may reduce earnings
  
• Penalty imposed for early withdrawal on Certificate of Deposits