Rates & Fees

Deposit Rates

Savings Account Rates

Comparison table of Savings Account Rates
Account Type Minimum Balance To Open Minimum Required Balance to Obtain APY Interest Rate APY* Footnote 
Regular Savings $50 $0.01 0.08% 0.08% (1), (2), (3)
Steady Saver $5 $0.01 0.10% 0.10% (1), (7)
Money Market $1,000 $0.01 0.05% 0.05% (1), (3), (4)
Money Market $1,000 $1,000.00 0.10% 0.10% (1), (3), (4)
Money Market Plus $2,500 $0.01 0.10% 0.10% (1), (3), (5)
Money Market Plus $2,500 $2,500.00 0.25% 0.25% (1), (3), (5)
Money Market Plus $2,500 $10,000.00 0.25% 0.25% (1), (3), (5)
Money Market Plus $2,500 $25,000.00 0.30% 0.30% (1), (3), (5)

Checking Account Rates

Comparison table of Checking Account Rates
Account Type Minimum Balance To Open Minimum Required Balance to Obtain APY Interest Rate APY* Footnote 
Now Checking $50 $0.01 0.06% 0.06% (1)
Now Checking $50 $1,000.00 0.08% 0.08% (1)
Super Now Checking $50 $0.01 0.07% 0.07% (1)
Super Now Checking $50 $2,500.00 0.10% 0.10% (1)

Certificate of Deposit Rates

Comparison table of Certificate of Deposit Rates
Account Type Minimum Required Balance to Earn Interest Interest Rate APY* Footnote / Penalty
60 Month CD $5,000.00 0.60% 0.60% Loss of 6 months simple interest
60 Month CD $500.00 0.50% 0.50% Loss of 6 months simple interest
48-59 Month CD $5,000.00 0.55% 0.55% Loss of 6 months simple interest
48-59 Month CD $500.00 0.50% 0.50% Loss of 6 months simple interest
36-47 Month CD $5,000.00 0.45% 0.45% Loss of 6 months simple interest
36-47 Month CD $500.00 0.40% 0.40% Loss of 6 months simple interest
24-35 Month CD $5,000.00 0.40% 0.40% Loss of 6 months simple interest
24-35 Month CD $500.00 0.38% 0.38% Loss of 6 months simple interest
18-23 Month CD $5,000.00 0.30% 0.30% Loss of 6 months simple interest
18-23 Month CD $500.00 0.25% 0.25% Loss of 6 months simple interest
12-17 Month CD $5,000.00 0.25% 0.25% Loss of 3 months simple interest
12-17 Month CD $500.00 0.20% 0.20% Loss of 3 months simple interest
6-11 Month CD $5,000.00 0.15% 0.15% Loss of 3 months simple interest
6-11 Month CD $500.00 0.12% 0.12% Loss of 3 months simple interest
3-5 Month CD $5,000.00 0.10% 0.10% Loss of 3 months simple interest
3-5 Month CD $500.00 0.08% 0.08% Loss of 3 months simple interest

Special CD Rates

Comparison table of Special CD Rates
Account Type Minimum Required Balance to Earn Interest Interest Rate APY* Footnote / Penalty
60 Month Golden Year CD (must be 62 years of age or older) $5,000.00 0.40% 0.40% No penalty for 1 withdrawal. If further withdrawals are taken, there is a loss of 6 months simple interest.
60 Month Peoples Choice CD (2 optional rate increases available) $1,000.00 0.60% 0.60% Loss of 6 months simple interest based on the rate in effect on the date of withdrawal
36 Month Peoples Choice CD (1 optional rate increase available) $1,000.00 0.45% 0.45% Loss of 6 months simple interest based on the rate in effect on the date of withdrawal
11 Month Special CD $5,000.00 3.000% 3.050% Loss of 3 months simple interest

IRA Rates

Comparison table of IRA Rates
Individual Retirement Account Minimum Required Balance to Earn Interest Interest Rate APY* Footnote / Penalty
60 Month IRA $5,000.00 0.60% 0.60% Loss of 6 months simple interest
60 Month IRA $500.00 0.50% 0.50% Loss of 6 months simple interest
48-59 Month IRA $5,000.00 0.55% 0.55% Loss of 6 months simple interest
48-59 Month IRA $500.00 0.50% 0.50% Loss of 6 months simple interest
36-47 Month IRA $5,000.00 0.45% 0.45% Loss of 6 months simple interest
36-47 Month IRA $500.00 0.40% 0.40% Loss of 6 months simple interest
24-35 Month IRA $5,000.00 0.40% 0.40% Loss of 6 months simple interest
24-35 Month IRA $500.00 0.38% 0.38% Loss of 6 months simple interest
18-23 Month IRA $5,000.00 0.30% 0.30% Loss of 6 months simple interest
18-23 Month IRA $500.00 0.25% 0.25% Loss of 6 months simple interest
12-17 Month IRA $5,000.00 0.25% 0.25% Loss of 3 months simple interest
12-17 Month IRA $500.00 0.20% 0.20% Loss of 3 months simple interest
6-11 Month IRA $5,000.00 0.15% 0.15% Loss of 3 months simple interest
6-11 Month IRA $500.00 0.12% 0.12% Loss of 3 months simple interest
3-5 Month IRA $5,000.00 0.10% 0.10% Loss of 3 months simple interest
3-5 Month IRA $500.00 0.08% 0.08% Loss of 3 months simple interest

Special IRA Rates

Comparison table of Special IRA Rates
Account Type Minimum Required Balance to Earn Interest Interest Rate APY* Footnote / Penalty
60 Month IRA (2 optional rate increases available) $1,000.00 0.60% 0.60% Loss of 6 months simple interest based on rate in effect on date of withdrawal
36 Month IRA (1 optional rate increase available) $1,000.00 0.45% 0.45% Loss of 6 months simple interest based on rate in effect on date of withdrawal
11 Month Special IRA CD $5,000.00 3.000% 3.050% Loss of 3 Months Simple Interest
18 Month Variable IRA $100.00 0.30% 0.30% (6)
Loss of 6 months simple interest based on rate in effect on date of withdrawal.
12 Month Variable IRA $50.00 0.25% 0.25% (6)
No penalty

Loan Rates

Consumer Mortgage

Comparison table of Consumer Mortgage
Program Rate Annual Percentage Rate* Monthly Principal and Interest Payment
30 Year Fixed 7.750% 7.756% $1,719.39
20 Year Fixed 7.000% 7.008% $1,860.72
15 Year Fixed 7.000% 7.010% $2,157.19

Fixed Rate Home Equity Loan

Comparison table of Fixed Rate Home Equity Loan
Term Rate Annual Percentage Rate* Monthly Principal and Interest Payment
60 Months 8.125% 8.205% $1,016.81
84 Months 8.375% 8.434% $788.69
120 Months 8.875% 8.919% $630.00
180 Months 9.125% 9.157% $510.86

Home Equity Line of Credit Rates

Comparison table of Home Equity Line of Credit Rates
Product Annual Percentage Rate*
Prime +0 8.500%

Fees

These fees are in effect as of November 1, 2019.

Comparison table of fee name and cost
Description Fee
Account reconciliation $25.00 per hour
ATM/debit card replacement (lost, stolen, damaged) $10.00
Attachments/levies $150.00 per occurrence
Cashier’s check $6.00
Coin wrapping 5% of total amount
Copy of check (deposit or withdrawal) $3.00
Copy of statement  $5.00
Counter check $0.50
Early account closing (within 90 days) $15.00
Fax (5 or fewer) $2.00 per page
Fax (6 or more pages) $1.00 per page
Foreign ATM balance inquiry $1.00
Foreign ATM fee $1.00
Gift cards $4.95
Returned Item for Non-Sufficient Funds $35.00
IRA transfer fee $10.00
Lost certificate of deposit  $5.00
Night deposit bags (2 or fewer)

$10.00

Night deposit bags (3 or more) $5.00
Overdraft fee $35.00
Overdraft protection savings (limit 6 per month) $8.00 per transfer
P2P transfer $0.85 per transfer
Payroll ACH initial setup $48.00
Payroll ACH monthly fee $4.00 per month
Payroll ACH return fee $3.00 per return
Photocopies $0.50 per copy
Picture Pay $1.00 per image
Remote deposit capture fee $35.00 per month
Remote deposit capture scanner varies
Returned deposited check

$10.00

Safe deposit box annual fee

3" × 5" — $35.00

5" × 5" — $40.00

3" × 10" — $45.00

5" × 10" — $70.00

10" × 10" — $125.00

15" × 10" — $185.00


Safe deposit box key:

Loss of 1 key — $10.00

Loss of both keys — cost of drilling

Self-directed IRA fee $35.00 per year
Stop payment fee $35.00
Telephone transfer (manual) $2.00 per transfer

Travel card purchase  

($100.00 – $5,000.00 per day; maximum balance of $10,000.00)

$9.95
Travel card reload fee $2.00

Wire transfers

Domestic, incoming — $10.00 per transfer

Domestic, outgoing — $20.00 per transfer

Foreign, incoming — $10.00 per transfer

Foreign, outgoing — $57.00 per transfer

 

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