Savings Rates

Savings Rates* Last Rate Change: June 30, 2013
Account Type Dividend Rate Annual Percentage Yield
Share (Savings) Accounts 0.015% 0.015%
Share Draft (Checking) Accounts 0.01% 0.01%
Christmas Club 0.03% 0.03%
IRA 0.15% 0.15%
Share Certificates
6-Month 0.05% 0.05%
12-Month 0.10% 0.10%
24-Month 0.15% 0.15%
Money Market
Bronze $1,000+ 0.03% 0.03%
Silver $15,000+ 0.05% 0.05%
Gold $30,000+ 0.07% 0.07%
     

*A $25 minimum balance is required to maintain and earn the APY on a Regular Share (Savings) Account or Youth Share (Savings) Account. A $100 minimum balance is required to open an IRA and earn the APY. A $500 minimum balance is required to open Share Certificates and earn the APY. Bronze Money Market Accounts require a $1,000 minimum balance to open account and earn the APY. Silver Money Market Accounts require a $15,000 minimum balance to open account and earn APY. Gold Money Market Accounts require a $30,000 minimum balance to open account and earn APY. Fees can reduce earnings on accounts. Dividends on savings, money market, IRA, and checking accounts are variable and are subject to change after the account is opened. APY refers to Annual Percentage Yield. A penalty may be imposed for early withdrawal (applicable to certificate accounts only). Please refer to the Account Agreement and Disclosure for details.

   
Fees and FreebiesLast Fee Change: May 1, 2012
Excessive Savings Withdrawal $3.00 after 3 per quarter
NSF $30.00
Courtesy Pay $30.00
Returned Items $5.00
Stop Payment $30.00
Overdraft Transfer $1.00
Online Banking Free
Online Bill Pay Free
Statement Copy $1.00 per page
Outgoing Wire Transfer (Domestic) $15.00
Outgoing Wire Transfer (International) $30.00
Incoming Wire Transfer (Domestic) $10.00
Incoming Wire Transfer (International) $10.00
Money Orders $1.00
eStatements Free
Cashier's Checks $1.00
Visa Gift Cards $3.00
Visa Travel Money Card $7.95
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 5 years