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2.00% APY* Share Certificate Special

9 Month Term • $3000.00 Minimum Deposit

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Savings

SavingsDividend Rate (Compounded Monthly)APY* (Compounded Monthly)
Regular Savings**0.05%0.05%
Regular Savings 2 & 30.05%0.05%
**$5.00 minimum opening deposit for primary Regular Savings Account. You must maintain a minimum daily balance of $125.00 to earn dividends.

Checking

CheckingDividend Rate (Compounded Monthly) APY* (Compounded Monthly) 
Simple Checking**No DividendsN/A
eChecking**No DividendsN/A
Student Checking**No DividendsN/A
Checking Plus***0.05%0.05%
**$25.00 minumum opening deposit. Includes EZ Checking.
***$1,000.00 minimum opening deposit. $1,000.00 minimum balance required to avoid a $7.50 monthly fee.

Club Accounts

Club Accounts**Dividend Rate (Compounded Monthly)APY* (Compounded Monthly)
Christmas Clubs0.05%0.05%
Name Your Own Club0.05%0.05%
**$1.00 minimum opening deposit.  You must maintain a minimum daily balance of $125.00 to earn dividends.

Money Market Plus

Money Market Plus**Dividend Rate (Compounded Monthly)APY* (Compounded Monthly)
Up to $2,499.990.05%0.05%
$2,500 - $9,999.990.05%0.05%
$10,000 - $24,999.9990.10%0.10%
$25,000 - $99,999.990.15%0.15%
$100,000 and Over0.20%0.20%
**$2,500.00 minimum opening deposit. You must maintain a minimum daily balance of $125.00 to earn dividends. $2,500.00 minimum balance required to avoid a $10.00 monthly fee.

Health Savings Accounts

Health Savings Accounts**Dividend Rate (Compounded Monthly)APY* (Compounded Monthly)
Up to $999.990.05%0.05%
$1,000.00 - $9,999.990.05%0.05%
$10,000.00 and Over0.05%0.05%
**You must maintain a minimum daily balance of $125.00 to earn dividends.

IRAs - Variable Rate

IRAs - Variable Rate**Dividend Rate (Compounded Quarterly)APY* (Compounded Quarterly)
Traditional IRA0.15%0.15%
Roth IRA0.15%0.15%
Traditional IRA - 60 Month Variable Rate Share Certificate***0.49%0.50%
**You must maintain a minimum daily balance of $15.00 to earn dividends.
***$1,000.00 minimum opening balance. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your IRA Certificate.

Traditional and Roth IRAs - Fixed Rate

Traditional and Roth IRAs - Fixed Rate**Dividend Rate (Compounded Quarterly)APY* (Compounded Quarterly)
18 Months0.59%0.60%
36 Months1.29%1.30%
60 Months1.59%1.60%
24 Month EZ Saver***0.99%1.00%
**$1,000.00 minimum opening balance.
***$25.00 minimum opening balance. To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your IRA Certificate.

Share Certificates

Certificate**Minimum Opening BalanceDividend RateAPY*
3 Months$500.000.09%0.10%
6 Months$500.000.29%0.30%
9 Months$500.000.44%0.45%
12 Months$500.000.59%0.60%
18 Months$500.000.59%0.60%
24 Months$500.000.99%1.00%
30 Months$500.000.99%1.00%
36 Months$500.001.28%1.30%
48 Months$500.001.43%1.45%
60 Months$500.001.58%1.60%
12 Month EZ Saver$25.000.59%0.60%
24 Month EZ Saver$25.000.99%1.00%
*APY = Annual Percentage Yield. 
**To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your Share Certificate.

Disclosures and Fees

We don’t believe in hiding fees or making it too complicated to understand. We want to be up front and honest, so here is a list of fees associated with our accounts and services:

Fee Schedule 

Truth In Savings

Certificate and IRA Rate and Fee Schedule

We are required to follow Regulation D under federal law, commonly known as Reg D. What this means to you is that your savings accounts come with some withdrawal limitations:

Federal Regulation D

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