Rates & Fees

Deposit Rates

Savings Account Rates

Comparison table of Savings Account Rates
Account Type	Minimum Balance	Minimum Required Balance to Obtain APY	Dividend Rate	APY^*	Footnote
Regular Share Savings	$50.00	$0.01	0.10%	0.10%	(1), (2)
Steady Share Savings	$5.00	$0.01	0.10%	0.10%	(1), (4)
Money Market	$1,000.00	$0.01	0.05%	0.05%	(1), (2)
Money Market	$1,000.00	$1,000.00	0.10%	0.10%	(1), (2)
Money Market Plus	$2,500.00	$0.01	0.10%	0.10%	(1), (3)
Money Market Plus	$2,500.00	$2,500.00	0.25%	0.25%	(1), (3)
Money Market Plus	$2,500.00	$10,000.00	0.25%	0.25%	(1), (3)
Money Market Plus	$2,500.00	$25,000.00	0.30%	0.30%	(1), (3)

Checking Account Rates

Comparison table of Checking Account Rates
Account Type	Minimum Balance	Minimum Required Balance to Obtain APY	Dividend Rate	APY^*	Footnote
Dividend Checking	$50.00	$0.01	0.06%	0.06%	(1)
Dividend Checking	$50.00	$1,000.00	0.08%	0.08%	(1)
Premier Dividend Checking	$50.00	$0.01	0.07%	0.07%	(1)
Premier Dividend Checking	$50.00	$2,500.00	0.10%	0.10%	(1)

Share Certificate Rates

Comparison table of Share Certificate Rates
Account Type	Minimum Required Balance to Earn Interest	Interest Rate	APY^*	Penalty
3-5 Month	$500.00	3.68%	3.75%	Loss of 90 days' dividends
6-11 Month	$500.00	3.44%	3.50%	Loss of 90 days' dividends
12-17 Month	$500.00	3.44%	3.50%	Loss of 90 days' dividends
18-23 Month	$500.00	3.20%	3.25%	Loss of 180 days' dividends
24-35 Month	$500.00	3.20%	3.25%	Loss of 180 days' dividends
36-47 Month	$500.00	3.44%	3.50%	Loss of 180 days' dividends
48-59 Month	$500.00	3.44%	3.50%	Loss of 180 days' dividends
60 Month	$500.00	3.44%	3.50%	Loss of 180 days' dividends

Special Share Certificates Rates

Comparison table of Special Share Certificates Rates
Account Type	Minimum Required Balance to Earn Interest	Interest Rate	APY^*	Penalty
60 Month Golden Year Share Certificate (must be 62 years of age or older)	$5,000.00	3.44%	3.50%	No penalty for 1 withdrawal. Each additional withdrawal incurs a penalty equal to 180 days' dividends.

IRA Share Certificate Rates

Comparison table of IRA Share Certificate Rates
Individual Retirement Account	Minimum Required Balance to Earn Interest	Interest Rate	APY^*	Penalty
3-5 Month IRA	$500.00	3.68%	3.75%	Loss of 90 days' dividends
6-11 Month IRA	$500.00	3.44%	3.50%	Loss of 90 days' dividends
12-17 Month IRA	$500.00	3.44%	3.50%	Loss of 90 days' dividends
18-23 Month IRA	$500.00	3.20%	3.25%	Loss of 180 days' dividends
24-35 Month IRA	$500.00	3.20%	3.25%	Loss of 180 days' dividends
36-47 Month IRA	$500.00	3.44%	3.50%	Loss of 180 days' dividends
48-59 Month IRA	$500.00	3.44%	3.50%	Loss of 180 days' dividends
60 Month IRA	$500.00	3.44%	3.50%	Loss of 180 days' dividends

* The Annual Percentage Yield (APY) assumes dividend will remain on deposit until maturity. A withdrawal will reduce earnings.

Dividends are compounded daily on all account types.

1. The dividend rate may change on these accounts after opening, and fees may reduce the earnings on the account.

2. A $5.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of six (6) per statement cycle.

3. A $7.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of six (6) per statement cycle.

4. A $25.00 fee will be assessed for each withdrawal in excess of three (3) withdrawals per calendar year. The fee will be assessed at the time of the excess withdrawal transaction.

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 Share Certificate	$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