ALL ABOUT YOUR CONSUMER DEPOSIT ACCOUNTS

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Free Checking Account
Minimum balance to open the account – You must deposit $100.00 to open this account.

“Secure Plus Club” Checking Account
Minimum balance to open the account – You must deposit $100.00 to open this Account. 
Fees: There is a monthly club charge for this account for insurance coverage, the amount being determined by the plan selected by the customer.

Investment Checking Account
Rate information – Your interest rate and annual percentage yield may change. 
Frequency of rate changes – We may change the interest rate on your account at any time. 
Determination of rate – At our discretion, we may change the interest rate on your account. 
Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month. 
Minimum balance to open the account – You must deposit $1,000.00 to open this account. 
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. 
Daily Balance computation method – 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. 
Accrual of interest on non-cash deposits – Interest begins to accrue no later than the   business day we receive credit for the deposit of non-cash items (for example, checks).

MBA Account (Mature Banking Associates) (This account is available for persons 55 Years of age or older) 
Rate information – Your interest rate and annual percentage yield may change. 
Frequency of rate changes – We may change the interest rate on your account at any time. 
Determination of rate – At our discretion, we may change the interest rate on your account. 
Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month. 
Minimum balance to open the account – You must deposit $2,500.00 to open this account. 
Minimum balance to avoid imposition of fees – A service charge fee will be imposed each monthly statement cycle if the balance in the account falls below $500.00 any day of the cycle. 
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. 
Daily Balance computation method – 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. 
Accrual of interest on non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 
Fees: A per item withdrawal fee will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if the balance in the account falls below $500.00 any day of the cycle.

Money Market Growth Account 
Rate information - Your interest rate and annual percentage yield may change. Frequency of rate changes- We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
Minimum balance to open the account - You must deposit $500.00 to open this account.
Minimum balance to avoid imposition of fees - A service charge fee will be imposed each monthly statement cycle if the balance in the account falls below $500.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily Balance computation method - 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.
Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Transaction limitations - Transfers from a Money Market Growth Account to another account or to third parties by automatic, preauthorized, telephone or computer transfer, check, draft, debit card, or similar order to third parties are limited to six per statement cycle.
Fees: A per item withdrawal fee will be charged for each withdrawal that exceeds the "transaction limitations" during a statement cycle.

Regular Savings Account
Rate information – Your interest rate and annual percentage yield may change. 
Frequency of rate changes – We may change the interest rate on your account at any time. 
Determination of rate – At our discretion, we may change the interest rate on your account. 
Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every quarter. 
Minimum balance to open the account – You must deposit $50.00 to open this account. 
Daily Balance computation method – 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. 
Accrual of interest on non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 
Transaction limitations – Transfers from a Regular Savings account to another account or to third parties by automatic, preauthorized, telephone or computer transfer, debit card, or similar order to third parties are limited to six per statement cycle.
Fees: A per item withdrawal fee will be charged for each withdrawal that exceeds the "transaction limitations" during a quarter.

Christmas Club Account 
Rate Information – You will be paid the disclosed interest rate for at least 30 calendar days. We will never decrease this rate unless we first give you at least 30 days notice in writing.
Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account at the end of the club term.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. 
Daily Balance computation method – 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.
Accrual of interest on non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 
Transaction limitations - You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties. If any withdrawal is made from this account before the end of the club term then this account may be closed.

CONSUMER SCHEDULE OF SERVICE CHARGES AND FEES

(ATM fees will be assessed at ATMs we do not own and operate regardless of balances maintained. Organizations which also assess fees for use of their ATM should post fees on the ATM.)

* Secure Plus Club and MBA Members receive Discount
** In addition to Overdraft/Returned Item Fees, a fee of $5 per day will be charged to accounts that are still overdrawn on the 5th day after the initial overdraft occurs.