Savings

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.  Interest will be compounded and credited semi-annually. 

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 on the business day you deposit noncash items (for example, checks) unless given specific notice. This notice may be given on a case-by case basis at time of deposit. 

You must maintain a minimum daily balance of $0.01 in your account to obtain the disclosed annual percentage yield. 

If your balance falls below $100.00 on any day in the month, your account will be subject to a Service Charge for that month. There is no minimum balance or Service Charge if the primary account holder is under the age of 18 or over the age of 62. 

You may make an unlimited number of deposits into your account. 

During any calendar month or statement cycle of at least four weeks, 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, internet banking transfer or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Money Market

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily. 

Interest is compounded and credited to your account monthly.  

We use the average daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account for the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.                    

Interest begins to accrue on the business day you deposit noncash items (for example, checks) unless given specific notice. This notice may be given on a case-by-case basis at time of deposit. 

The minimum balance required to open this account is $25.00. You must maintain a minimum average daily balance of $0.01 in your account to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. 

If your balance falls below $1,000.00 on any day in the statement cycle, your account will be subject to a Service Charge for that statement cycle. 

You may make an unlimited number of deposits into your account. 

During any calendar month or statement cycle of at least four weeks, 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, internet banking transfer or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution. 

Money Market account fees apply to overdrafts created by checks, in person withdrawal, or other electronic means. (Excluding debit card transactions)