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, No monthly charge. Otherwise, $3.00 per month.
Withdrawal per item over three per month, $7.00
Transfers per item over stated limits $15
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
Monthly
Fee
Average Monthly Balance
of $37,500 or Minimum Daily Balance of $15,000, 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 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 preauthorized, automatic or telephone transfers
may be made during a statement cycle. Up to 3 withdrawals by
check or draft may be substituted for up to 3 transfers. Otherwise,
$15.00 per item. Unlimited ATM withdrawals.
CERTIFICATE
OF DEPOSIT
Minimum
Opening Deposit
$2,500
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 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
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 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.