February 4, 2012
 
Personal Checking Personal Savings & Retirement Plans Personal Loans & Overdraft Protection ATM & Debit Card Services Reorder Personal Checks Additional Services

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.

SAVINGS1 - Earn a steady rate of return on this traditional savings account

PERSONAL SAVINGS1
Minimum Opening Deposit
$100.00
Monthly Fee
Minimum Daily Balance of $300.00 to avoid monthly charge otherwise, $3.00.

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.

MONEY MARKET1 - Get more out of your savings with our Money Market Account

MONEY MARKET-PERSONAL1
Minimum Opening Deposit
$1,000
Monthly Fee

Minimum Daily Balance of $2,500 OR Average Monthly Balance of $7,500 to avoid monthly charge otherwise:

$10.00 with electronic statement2

$11.00 with paper statement

$15.00 per excessive transaction

Rate Info
Interest rates and Annual percentage yields are subject to daily change.
$2,500 minimum collected balance to earn interest.
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 check, ACH, automatic or telephone transfers, per month. Otherwise, $15.00 per item. Unlimited ATM withdrawals.

HIGH YIELD MONEY MARKET1 - Make the most of your money

HIGH YIELD MONEY MARKET-PERSONAL1
Minimum Opening Deposit
$25,000
Monthly Fee

Minimum Daily Balance of $15,000 OR Average Monthly Balance of $30,000 to avoid monthly charge otherwise:

$25.00 with electronic statement2
$26.00 with paper statement

$15.00 per excessive transaction

Rate Info
Interest rates and Annual percentage yields are subject to daily change.
$10,000 minimum collected balance to earn interest
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 check, ACH, automatic or telephone transfers, per month. Otherwise, $15.00 per item. Unlimited ATM withdrawals.

CERTIFICATE OF DEPOSIT2 - A safe, interest-earning option for customers who do not need instant access to their funds.

CERTIFICATE OF DEPOSIT2
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 ACCOUNTS2 - Saving for retirement has never been so easy. Enjoy the benefits of tax-deferred savings with competitive rates of interest.

INDIVIDUAL RETIREMENT ACCOUNTS2
Minimum Opening Deposit
$1,000.00
Annual Fee
$25.00
  1. These accounts are interest bearing and have variable rates. The interest rate and Annual Percentage Yield (APY) may change at our discretion at any time. The minimum balance must be maintained each day to earn the APY. Fees may reduce your actual earnings.
  2. Certificate of Deposit (COD) accounts have fixed interest rates based upon the term selected. The rate will be paid until maturity of the certificate. Interest may compound, if credited to the account. The frequency of compounding and the crediting of interest will depend on the term of the COD. We may impose a penalty if you withdraw any or all of the deposited funds/principal before the maturity date. This could result in a reduction of principal.