Rates and Fees

The following rates are effective April 5, 2023

Time Certificate of Deposits (CDs) and IRAs

Minimum deposit of $500 opens high-yielding time certificates in any of the following terms:
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Account Type Interest Rate Annual Percentage Yield (APY)
3 Month CD 4.65 % 4.75%
6 Month CD (including Accumulator) 4.70% 4.80%
12 Month CD 4.70% 4.80%
18 Month CD 4.55% 4.64%
24 Month CD 2.65% 2.68%
30 Month CD 2.50% 2.52%
36 Month CD 2.40% 2.42%
48 Month CD 2.40% 2.42%
12 Month Accumulator IRA
4.70% 4.80%
18 Month IRA 4.55% 4.64%
24 Month IRA CD 2.80% 2.83%
30 Month IRA CD 2.65% 2.68%
36 Month IRA CD 2.55% 2.58%
A SUBSTANTIAL PENALTY IS IMPOSED ON EARLY WITHDRAWALS.
ANNUAL PERCENTAGE YIELD ASSUMES INTEREST WILL REMAIN IN DEPOSIT UNTIL MATURITY.


Interest Rates on NOW account and Money Market Checking Accounts

Minimum deposit of $100 is needed to open an account:
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Account Interest Rate Account Value APY
Now Checking 0.06% Any Value 0.06%
Money Market Checking 0.00% $0 to $999.99 0.00%

0.65% $1,000 to $19.999.99 0.65%

0.70% $20,000 to 49,999.99 0.70%

0.70% $50,000 to $99,999.99
0.70%

0.75% $100,000 and above
0.75%
THE ABOVE REFERENCED ANNUAL PERCENTAGE YIELD ASSUMES MONTHLY COMPOUNDING OF INTEREST AND A MONTHLY CREDITING FREQUENCY.
FEES MAY AFFECT EARNINGS ON THE ACCOUNT.
RATES MAY CHANGE AFTER THE ACCOUNT IS OPENED.


Savings Account Information

Minimum deposit of $50 is needed to open an account:
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Account Interest Rate APY
Savings 0.40% 0.40%
THE ANNUAL PERCENTAGE YIELD ON SAVINGS ASSUMES QUARTERLY COMPOUNDING OF INTEREST AND A QUARTERLY CREDITING FREQUENCY.
SAVINGS ACCOUNT BALANCES UNDER $50.00 DO NOT EARN INTEREST.
INTEREST AND ANNUAL PERCENTAGE YIELD MAY CHANGE AT OUR DISCRETION.


We may require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawals.

ADDITIONAL FEES RELATED TO VARIOUS BANKING ACTIVITIES

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Effective May 1, 2022


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Check Printing Fee depends on style of check ordered
Garnishments $75.00
Levies
$75.00
Overdraft (each debit or check paid) $30.00
Non-sufficient funds (NSF) item (each) $30.00
Account Research $30.00 per hour
Copies $0.25 each
Account Balancing Assistance $30.00 per hour
Return Item Charge $7.00 per each
Telephone Transfer - Over $100 FREE
Telephone Transfer - Under $100 $2.00
Counter Checks $0.25 each
Stop Payments (good for 6 months) $30.00
VISA® Card Replacement $10.00

Wire Transfer- Incoming
Customer $10.00
Non-Customer $15.00
Wire Transfer - Outgoing
Customer $25.00
Non-Customer $40.00
Foreign (customer) $50.00
Statements
Reprint $5.00
Instant $2.00
Multiple Statement Mailing Fee $5.00
Account Statement Hold Fee $5.00
Return Mail $5.00
Verification of Deposit and Credit Ratings $5.00
Non-customer check cashing (per check) Greater of $35.00 or 2% of check
Collections - Incoming (Plus any payee bank processing fees.)
$25.00
Collections - Outgoing (Plus any payee bank processing fees.)
$25.00
Fax
Customer (two pages) $2.00
Non Customer (two pages) $5.00
Additional Pages $1.00 each page
Dormant Fee $5.00
Accounts closed in first 90 days $35.00
Cashier Check $5.00
Official Check $5.00
Money Orders $4.00
Safe Deposit Box Drilling $250.00
Safe Deposit Key Replacement $20.00 each
Safe Deposit Late Payment Fee (30 day past due) $10.00
Business Bill Pay $10/mo + $0.65 per payment  > 10