Money Market

Account Fees:

• Excessive withdrawal item charge of $5.00 if over four (4) items per statement cycle

Rate Information:

• This account is an interest bearing account.
• The interest rate and annual percentage yield will depend upon the daily balance in the account.
• Interest Rates are available upon request.
• The interest rate and annual percentage yield may change.
• At our discretion, we may change the interest rate on the account daily.
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
• Interest will be compounded monthly and will be credited to the account monthly.
• If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information:

• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations:

• You must deposit $500.00 to open this account.
• You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction. Six (6) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
• Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Special Savings

General:

• Special Savings Accounts are available to senior citizens (50 & over)
  and minors under 18.  Half of the minimum opening deposit amount is
  required for minors. 

Account Fees:

• If the balance falls below $100.00, a maintenance fee of $1.00 will apply.

Rate Information:

• This account is an interest-bearing account.
• The interest rate and annual percentage yield are available on request.
• At our discretion, we may change the interest on the accounts daily.
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
• Interest will be compounded quarterly.
• We use the daily balance method to calculate the interest on an account.
• This method applies a daily periodic rate to the principal in the account each day.
• If the account is closed before interest is credited, you will not receive the accrued interest.

Limitations:

• You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction.  Six (6) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
• Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Regular Savings

Account Fees:

• $50.00 deposit to open account
• Minimum Balance $100
• If the balance falls below $100.00, a maintenance fee of $1.00 will apply.
  

Rate Information:

• This account is an interest-bearing account.
• The interest rate and annual percentage yield are available on request.
• At our discretion, we may change the interest on the accounts daily.
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
• Interest will be compounded quarterly.
• We use the daily balance method to calculate the interest on an account.
• This method applies a daily periodic rate to the principal in the account each day.
• If the account is closed before interest is credited, you will not receive the accrued interest.
  

Limitations:

• You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction.  Six (6) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
• Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
• The following additional terms apply to this account: Excessive withdrawal fee of $1.00 per withdrawal /ATM/ACH/EFT over 3 per month.