Certificates of Deposit
| Term |
Rate |
Yield |
| 6 Months |
.10% |
.10% |
| 12 Months |
.10% |
.10% |
| 18 Months |
.15% |
.15% |
| 24 Months |
.20% |
.20% |
| 36 Months |
.25% |
.25% |
| |
|
|
|
Rates Effective July 25,2020, rates subject to change without notice.
There is a penalty for early withdrawals on CDs
Minimum Deposit for all terms is $1,000.00.
|
Savings Accounts
| Dividend Rates |
|
Premier Share Accounts
(Effective 10/01/19)
|
$.01-$999.99 -- 0.00% APR
$1000.00 - $5000.00 -- 0.05% APR
$5000.01 & UP -- 0.10% APR |
| IRA Rates (07/25/20) |
TERM |
APR |
APY |
| $1,000 minimum |
12 Months |
.15% |
.15% |
| |
24 Months |
.20% |
.20% |
| |
36 Months |
.25% |
.25% |
| |
48 Months |
.30% |
.30% |
| |
|
|
|
|
|
|
|
| Share IRA |
N/A |
.10% |
.10% |
|
Rates subject to change without notice.
There is a penalty for early withdrawals on CDs
Minimum Deposit for all terms is $1,000.00.
|
Dividend Payment Schedule
| |
Premier Share Account |
Holiday Club |
Vacation Club |
Share Draft Account |
| Dividends Compounded |
Quartery |
At Maturity |
At Maturity |
N/A |
| Dividends Credited |
Quartery |
At Maturity |
At Maturity |
N/A |
| Dividend Period |
Calendar Quarter |
Term of Account |
Term of Account |
N/A |
Balance Requirements
| |
Premier Share Account |
Holiday Club |
Vacation Club |
Share Draft Account |
| Minimum Opening Deposit |
$25.00 |
$5.00 |
$5.00 |
$200.00 |
| Minimum Balance to Avoid A Service Fee |
None |
None |
None |
$200.00 |
| Minimum Balance to Earn The Stated APR |
None |
None |
None |
N/A |
| Balance Method |
Average Daily Balance |
|
|
N/A |
| Fees Effective 06/01/14 |
Share Draft Account Fees
| Copy of Processed Draft Fee |
$4 per draft |
| NSF Fee |
$30 per item |
| NSF Reversed |
$10 per item |
| Overdraft transfer fee |
$7 per item |
| Deposited Item Returned |
$30 per item |
| Share Draft Printing Fee |
Prices vary by style |
| Share Draft Minimum Account Balance Fee |
$4 monthly (if below $200) |
| Stop Payment Fee |
$15 per item |
| Stop Payment of Check Series |
$25 |
| Stop Payment Renewal |
$5 per item |
| Stop Payment Release |
$5 per item |
| Certified Check |
$5 per item |
| Uncollected Funds |
$20 per item |
| Fees Effective 06/01/14 |
ACH
| ACH Debit Returned Item - NSF |
$30 |
| ACH Overdraft transfer fee |
$7 |
| ACH Stop Payment |
$15 |
| Fees Effective 06/01/14 |
ATM Charges
| Nonfunctional Card Replacement Fee |
$5 |
| Lost Card Replacement Fee |
$10 |
| Reset Pin Fee |
$2 |
| PIN Mailer |
$3 |
| Monthly Maintenance Fee |
$1 |
| 4 Free withdrawals/month. Additional withdrawals after 4 |
$1 each |
| International Conversion Fee (varies) |
actual |
| Fees Effective 06/01/14 |
Other Service Fees
| Account Reconciliation Fee |
$25 per hour |
| Account Research Fee |
$25 per hour |
| Account Closure Fee |
$5 per account closed |
| Balance Certification Letter |
$5 per account |
| Deposited Item Return Fee |
$30 per item |
| Early Withdrawal, Close Club Fee |
$20 |
| Foreign Item Collection |
$30 |
| Inactive Account Fee |
$5 per month, after 6 months of inactivity & less than $250 on deposit |
| Interim Statement Fee |
$5 per statement |
| Loan Application Fee |
$7.50/$15.00 joint applicaton |
| Refinance Loan w/o money advance |
$25 |
| Lien Release Letter |
$5 |
| IRS Levy |
$25 |
| Money Order Fee (up to $1,500) |
$1 per item |
| Money Order -- Copy of Paid M.O. |
$5 |
| Money Order -- Stop Payment |
$15 |
| Statement Copy Fee |
$5 per copy |
| Teller Check Payable To Third Party |
$5 |
| Teller Check -- Copy of Paid Check |
$5 |
| Teller Check -- Stop Payment |
$15 |
| Western Union Money Transfer |
$25 per item |
| Wire Transfer (outgoing) Fee |
$25 per item |
| Escheat Fee |
$50 |
| Returned mail |
$5 |
| Fax Request |
$1 |
| Fees Effective 06/01/14 |
Home Banking
| Online Banking |
FREE |
| Reset Password |
$1 |