INNOVATIVE PRODUCTS PUT YOUR
MONEY TO WORK FOR YOU
We offer a variety of savings and retirement plans, all of which earn
competitive interest rates. By opening a savings or retirement account
with us you can feel confident that your money is working for you.
PERSONAL SAVINGS
Earn a steady rate of return on this traditional savings account.
Features include:
|
Monthly
interest paid on collected balances |
 |
Low minimum
opening balance |
|
Unlimited
ATM usage when you also have a personal checking account |
PREMIER MONEY MARKET
|
Monthly premium money market
rates paid on collected balances. |
|
Unlimited ATM usage. |
CERTIFICATE OF DEPOSIT
A safe, interest-earning option for customers who do not need instant
access to their funds. Benefits include:
|
Guaranteed
rate for term |
|
Flexible
terms available |
|
A
choice of interest payments: monthly, quarterly or at maturity.
|
INDIVIDUAL RETIREMENT ACCOUNTS
Saving for retirement has never been so easy. Enjoy the benefits of
tax-deferred savings with competitive rates of interest.
| PERSONAL
SAVINGS |
| Minimum
Opening Deposit |
$100.00 |
| Monthly
Fee |
Minimum Daily Balance of
$300.00, No monthly charge. Otherwise, $3.00 per month.
Withdrawal per item over three per month, $7.00.
Transfers per item over stated limits, $15.00.
Overdraft Transfer, $15.00. |
| Rate
Info |
Interest
rates and Annual percentage yields are subject to daily change.
|
| Method
of Computation & Payment of Interest |
Daily balance method is
used to calculate the interest on your account and interest
is paid on the statement cycle date. Accounts closed during
a statement cycle shall earn no interest for that period. |
| Limitations |
Limit
of 6 ACH, automatic or telephone transfers per month, then $15.00
per transfer. Unlimited ATM. |
| PREMIER
MONEY MARKET-PERSONAL |
| Minimum
Opening Deposit |
$25,000.00 |
| Monthly
Fee |
Average Monthly Balance
of $37,500.00 or Minimum Daily Balance of $15,000.00, no monthly charge,
Otherwise $20.00 Per Month.
Excessive withdrawals, over stated limit in cycle, $15.00 per
withdrawal. |
| Rate
Info |
Interest
rates and Annual percentage yields are subject to daily change.
Earns interest on daily balances of $10,000.00 or more. |
| Method
of Computation & Payment of Interest |
Daily balance method is
used to calculate the interest on your account and interest
is paid on the statement cycle date. Accounts closed during
a statement cycle shall earn no interest for that period. |
| Limitations |
Not more than 6 pre-authorized or automatic transfers, checks, or drafts or a combination thereof, may be made during a statement cycle. Otherwise,
$15.00 per item. Unlimited ATM withdrawals. |
| CERTIFICATE
OF DEPOSIT |
| Minimum
Opening Deposit |
$2,500.00 |
| Monthly
Fee |
N/A |
| Rate
Info |
Current
interest rates, annual percentage yields and terms are quoted
daily. Interest rate is fixed at the time the account is opened
until maturity. |
| Method
of Computation & Payment of Interest |
Daily balance method is
used to calculate the interest on your account and interest
is paid monthly, quarterly, or at maturity according to depositor's
preference. |
| Limitations |
Seven-day
minimum term. Certificates are all written with a multiple maturity
(automatically renewable). Withdrawals made during the grace
period (up to seven calendar days after maturity including the renewal date)
do not earn interest between the renewal date and date of withdrawal.
Penalty for early withdrawal. |
| INDIVIDUAL
RETIREMENT ACCOUNTS |
| Minimum
Opening Deposit |
$1,000.00 |
| Annual
Fee |
$25.00 |
| Rate
Info |
Current
interest rates and annual percentage yields are quoted daily.
Interest rate and annual percentage yield are subject to daily
change. |
| Method
of Computation & Payment of Interest |
Interest is compounded daily
and payable at calendar quarter and at maturity. At maturity
this account will automatically be renewed. |
| Limitations |
Withdrawals
made during the grace period (up to seven calendar days after maturity including
the renewal date) do not earn interest between the renewal date
and date of withdrawal. Penalty for early withdrawal. Check
with your tax advisor. |
|
|
Personal
Savings & Retirement Plans 
