Account Rates & Fees

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Effective 9/16/2020

Share Rates

 

Interest Rate 0.050%
Annual Percentage Yield: 0.05%
Minimum Opening Deposit $100.00
Minimum Balance to Earn Stated APY $500.00
Minimum Balance to Avoid Service Fee NONE
Balance Method Average Daily Balance
Interest Compounded Daily
Interest Credited Monthly

Interest Rate 0.100%
Annual Percentage Yield 0.10%
Minimum Balance to Earn Stated APY $1,000.00
Jumbo Interest Rate 0.150%
Jumbo Annual Percentage Yield 0.15%
Minimum Balance to Earn Stated APY $15,000.00
Minimum Opening Deposit $25.00
Minimum Balance to Avoid a Service Fee NONE
Balance Method Average Daily Balance
Interested Compounded Daily
Interest Credited Quarterly

Interest Rate 0.150%
Annual Percentage Yield 0.15%
Minimum Opening Deposit $5.00
Minimum Balance to Earn Stated APY $5.00
Minimum Balance to Avoid Service Fee NONE
Balance Method Average Daily Balance
Interest Compounded Monthly
Interest Credited Quarterly

Interest Rate 0.150%
Annual Percentage Yield 0.15%
Minimum Opening Deposit NONE
Minimum Balance to Avoid Service Fee NONE
Minimum Balance to Earn Stated APY $500.00
Balance Method Average Daily Balance
Interest Compounded Daily
Interest Credited Quarterly

Long Term Savings

 

Balance Rate APY
$2,500 to $14,999 0.100% 0.10%
$15,000 to $24,999 0.150% 0.15%
$25,000 to $49,999 0.200% 0.20%
$50,000 and above 0.250% 0.25%
  • Interest Compounded: Daily
  • Interest Credited: Monthly
  • Minimum Opening Deposit: None
  • Minimum Balance to Avoid a Service Fee: NONE
  • Minimum Balance to Earn the Stated APY: $2,500
  • Balance Method: Average daily balance

Term Rate APY
6 month CD 0.300% 0.30%
12 month CD 0.399% 0.40%
24 month CD 0.499% 0.50%
36 month CD 0.598% 0.60%
60 month CD 0.698% 0.70%
  • $1,000 minimum balance required.
  • Annual percentage yield (APY) paid if dividend is returned in certificate.
  • Penalties will be charged for early withdrawals.
  • Dividend rates are subject to change.
  • Dividends compounded daily and paid monthly.

Term Rate APY
12 month IRA / CD 0.399% 0.40%
24 month IRA / CD 0.499% 0.50%
36 month IRA / CD 0.598% 0.60%
60 month IRA / CD 0.698% 0.70%
  • $1,000 minimum balance required.
  • Annual percentage yield (APY) paid if dividend is returned in certificate.
  • Penalties will be charged for early withdrawals.
  • Dividend rates are subject to change.
  • Dividends compounded daily and paid monthly.

Checking Account Fees

 

Name Fee
Stop Payment $25.00 per item
Returned Check $30.00 per item
Courtesy Pay $30.00 per item
Share Draft Copy $5.00 per item
Statement Copy $5.00 per month
Account Research $25.00 per hour
Statement Reconciliation $25.00 per hour
Check Printing price may vary depending on style
Business Checking $10.00 per month (if balance less than $1,000)
Returned Deposit $5.00 per item
Visa Check Card Replacement $10.00 per card

Name Fee
Domestic Wire $15.00 each transaction
Debit Card Payment Convenience Fee $15.00 each payment
Teller Check $3.00 per check
Credit Card Replacement $10.00
Credit Card PIN replacement $3.00
Close Account (if closed within first 90 days) $25.00
Reopen Account $25.00
Check Cashing, Non-Members $13.50
Check Cashing, No Checking Account $13.50
Phone Inquiries $1.00 per call
Returned Mail $2.50 per occurence

Name Fee
Expedited Check Payment $25.00 per item
Expedited ACH/EFT Payment $5.00 per item
Returned EFT $30.00 per item
Stop Payment $25.00 per item