Savings & Deposit Rates

Share Rates Effective March 2, 2010
Account Type Annual Percentage Rate Annual Percentage Yield
Share (Savings) Accounts 0.25% 0.25%
Share Draft (Checking) Accounts 0.05% 0.05%
Christmas Club 0.50% 0.50%
IRA 0.50% 0.50%
Share Certificates
6-Month 1.00% 1.00%
12-Month 1.25% 1.26%
24-Month 1.50% 1.51%
Money Market
Bronze $1,000+ 0.75% 0.75%
Silver $15,000+ 1.00% 1.00%
Gold $30,000 1.25% 1.25%
Deposit Fees and FreebeesEffective April 15, 2009
Excessive Withdrawal $3.00 after 3 per quarter
NSF $30.00
Returned Items $5.00
Stop Payment $20.00
Overdraft Transfer $1.00
Online Banking Free
Online Bill Pay Free
Statement Copy $1.00 per page
Outgoing Wire Transfer $15.00
Outgoing International Wire Transfer $30.00
Money Orders $0.75
Travelers Checks for 1 Free
Travelers Checks for 2 $1.50 per 100
eStatements Free
Gift Checks $2.50
Gift Cards $3.00
Cashier's Checks Free
Debit Card Replacement $5.00 per card may be charged
PIN Replacement $5.00 per PIN may be charged
Dormant Account $5.00 per month after 3 years