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	$50.00	$0.01	0.08%	0.08%	(1), (2), (3)
Steady Saver	$5.00	$0.01	0.10%	0.10%	(1), (7)
Money Market	$1,000.00	$0.01	0.05%	0.05%	(1), (3), (4)
Money Market	$1,000.00	$1,000.00	0.10%	0.10%	(1), (3), (4)
Money Market Plus	$2,500.00	$0.01	0.10%	0.10%	(1), (3), (5)
Money Market Plus	$2,500.00	$2,500.00	0.25%	0.25%	(1), (3), (5)
Money Market Plus	$2,500.00	$10,000.00	0.25%	0.25%	(1), (3), (5)
Money Market Plus	$2,500.00	$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	$50.00	$0.01	0.06%	0.06%	(1)
Now Checking	$50.00	$1,000.00	0.08%	0.08%	(1)
Super Now Checking	$50.00	$0.01	0.07%	0.07%	(1)
Super Now Checking	$50.00	$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

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

Interest is compounded daily on all account types.

1. The interest 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. You may make no more than six (6) preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle.

4. 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.

5. 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.

6. The interest rate may change on these accounts after opening.

7. 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 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