NOW Account

VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.
 
DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGES
We may change the interest rate on your account every day.

LIMITATIONS ON RATE CHANGES
There are no maximum or minimum interest rate limits for this account.
 
COMPOUNDING AND CREDITING
Interest will compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS
You must deposit $25.00 to open this account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
 
FEES AND CHARGES
Please refer to the fee schedule

 

TRANSACTION LIMITATIONS
No transaction limitations apply to this account.

 

 

No Frills Checking Account

MINIMUM BALANCE REQUIREMENTS
You must deposit $25.00 to open this account.


FEES AND CHARGES
Please refer to the fee schedule

 

TRANSACTION LIMITATIONS
No transaction limitations apply to this account.

Back to top

Passbook Savings Account (Basic, Gold, VIP)

VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
 
FREQUENCY OF RATE CHANGES
We may change the interest rate on your account every day.
 
LIMITATIONS ON RATE CHANGES
There are no maximum or minimum interest rate limits for this account.

 

COMPOUNDING AND CREDITING
Interest will be compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.

 

MINIMUM BALANCE REQUIREMENTS
You must deposit $25.00 to open this account. To open and maintain a Gold or VIP Passbook Savings account you must maintain a Gold or VIP checking account. A minimum balance fee (monthly service charge) of $1.00 will be imposed each month if the balance in the account falls below $25.00 at any time during the month. This fee will not be charged if the account has direct deposit.
You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.


BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

 

ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).


FEES AND CHARGES
Please refer to the fee schedule .


TRANSACTION LIMITATIONS

Transfers from a Passbook Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.

Back to top

Student Checking Account

ELIGIBILITY REQUIREMENTS
You must be a registered student, 17 years of age or older with proof of enrollment to be eligible for this account.

 

MINIMUM BALANCE REQUIREMENTS
You must deposit $25.00 to open this account.

 

FEES AND CHARGES
Please refer to the fee schedule

 

TRANSACTION LIMITATIONS
No transaction limitations apply to this account.

Back to top

Statement Savings Account (Basic, Gold, VIP)

VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.

 

FREQUENCY OF RATE CHANGES
We may change the interest rate on your account every day.


LIMITATIONS ON RATE CHANGES
There are no maximum or minimum interest rate limits for this account.

 

COMPOUNDING AND CREDITING
Interest will be compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.

 

MINIMUM BALANCE REQUIREMENTS
You must deposit $25.00 to open this account. To open and maintain a Gold or VIP Statement Savings account you must maintain a Gold or VIP checking account. A minimum balance fee (monthly service charge) of $1.00 will be imposed each month if the balance in the account falls below $25.00 at any time during the month. This fee will not be charged if the account has direct deposit.
You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.


BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

 

ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

 

FEES AND CHARGES
Please refer to the fee schedule.

 

TRANSACTION LIMITATIONS

Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone, debit card, or computer transfer are limited to six per month.

Back to top

Christmas/Vacation Club Account (Basic, Gold, VIP)

VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGES
We may change the interest rate on your account every day.


LIMITATIONS ON RATE CHANGES
There are no maximum or minimum interest rate limits for this account.

 

COMPOUNDING AND CREDITING
Interest will be compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.

 

MINIMUM BALANCE REQUIREMENTS
You must deposit $1.00 to open this account. You must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.


BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

 

ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

 

FEES AND CHARGES
Please refer to the fee schedule.

 

TRANSACTION LIMITATIONS

Club maturity for the Christmas Club is the last business day of October. Club maturity for the Vacation Club is the last business day of April. An fee of $10.00 per withdrawal made will be charged if any withdrawal is made prior to the end of the club account maturity date. To open and maintain a Gold or VIP Club account you must maintain a Gold or VIP checking account.

Back to top

Fixed Rate Certificate of Deposit Account 1 Year or less (Basic, Gold, VIP)

FIXED RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. You will be paid this rate until maturity.


COMPOUNDING AND CREDITING
Interest will be compounded daily and credited monthly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding. If you close your account before interest is credited, you will not receive the accrued interest.


MINIMUM BALANCE REQUIREMENTS
You must deposit $5,000.00 to open this account. To open and maintain a Gold or VIP Certificate of Deposit account you must maintain a Gold or VIP checking account. You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.


BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.


ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).


FEES AND CHARGES
Please refer to the fee schedule


TRANSACTION LIMITATIONS
You may not make deposits into your account until the maturity date. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. A penalty for the early withdrawal of principal will be imposed. You may only withdraw interest credited in the term before maturity of that term without penalty.

 

MATURITY DATE
Your account maturity date will be determined based on the account opening date and the certificate term.


EARLY WITHDRAWAL PROVISIONS

We will impose a penalty of three months interest on the principal amount withdrawn prior to the maturity date. In certain circumstances such as the death of an owner of the account, the law permits, and in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.


RENEWAL POLICIES
Your account will automatically renew at maturity. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Back to top

Fixed Rate Certificate of Deposit Account More than 1 Year (Basic, Gold, VIP)

FIXED RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. You will be paid this rate until maturity.


COMPOUNDING AND CREDITING
Interest will be compounded daily and credited monthly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding. If you close your account before interest is credited, you will not receive the accrued interest.


MINIMUM BALANCE REQUIREMENTS
You must deposit $1,000.00 to open this account. To open and maintain a Gold or VIP Certificate of Deposit account you must maintain a Gold or VIP checking account. You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.


BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.


ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).


FEES AND CHARGES
Please refer to the fee schedule


TRANSACTION LIMITATIONS
You may not make deposits into your account until the maturity date. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. A penalty for the early withdrawal of principal will be imposed. You may only withdraw interest credited in the term before maturity of that term without penalty.

 

MATURITY DATE
Your account maturity date will be determined based on the account opening date and the certificate term.


EARLY WITHDRAWAL PROVISIONS

We will impose a penalty of six months interest on the principal amount withdrawn prior to the maturity date. In certain circumstances such as the death of an owner of the account, the law permits, and in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.


RENEWAL POLICIES
Your account will automatically renew at maturity. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

 

Back to top

Fixed Rate IRA Certificate of Deposit Account More than 1 Year (Basic, Gold, VIP)

FIXED RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. You will be paid this rate until maturity.


COMPOUNDING AND CREDITING
Interest will be compounded daily and credited monthly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If interest is credited to another account or paid to you by check, this may reduce earnings and may negate the effect of interest compounding. If you close your account before interest is credited, you will not receive the accrued interest.


MINIMUM BALANCE REQUIREMENTS
You must deposit $500.00 to open this account. To open and maintain a Gold or VIP IRA account you must maintain a Gold or VIP checking account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.


BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.


ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).


FEES AND CHARGES
Please refer to the fee schedule


TRANSACTION LIMITATIONS
You may not make deposits into your account until the maturity date. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. A penalty for the early withdrawal of principal will be imposed. You may only withdraw interest credited in the term before maturity of that term without penalty.


INDIVIDUAL RETIREMENT ACCOUNT
Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information.

 

MATURITY DATE
Your account maturity date will be determined based on the account opening date and the certificate term.

 

EARLY WITHDRAWAL PROVISIONS
We will impose a penalty of three months interest on the principal amount withdrawn prior to the maturity date. Please see your plan disclosure for additional early withdrawal information. In certain circumstances such as the death of an owner of the account, the law permits, and in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.


RENEWAL POLICIES

Your account will automatically renew at maturity. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Back to top

IRA Savings Account (Basic, Gold, VIP)

VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.

 

DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.

 

FREQUENCY OF RATE CHANGES
We may change the interest rate on your account every day.

 

LIMITATIONS ON RATE CHANGES
There are no maximum or minimum interest rate limits for this account.

 

COMPOUNDING AND CREDITING
Interest will be compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.

 

MINIMUM BALANCE REQUIREMENTS
You must deposit $25.00 to open this account. To open and maintain a Gold or VIP IRA account you must maintain a Gold or VIP checking account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.


BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.


ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).


FEES AND CHARGES
Please refer to the fee schedule.

 

TRANSACTION LIMITATIONS
Please see your plan disclosure for information regarding withdrawals from this account.


INDIVIDUAL RETIREMENT ACCOUNT

Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information.

Back to top

Money Market Deposit Account (Basic, Gold, VIP)

TIERED VARIABLE RATE INFORMATION
See current rate sheet for rate and annual percentage yield (APY) information. Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE
At our discretion, we may change the interest rate on your account.
 
FREQUENCY OF RATE CHANGES
We may change the interest rate on your account every day.

LIMITATIONS ON RATE CHANGES
There are no maximum or minimum interest rate limits for this account.


COMPOUNDING AND CREDITING
Interest will be compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest.

 

MINIMUM BALANCE REQUIREMENTS
You must deposit $2,500.00 to open this account. To open and maintain a Gold or VIP Money Market Deposit Account you must maintain a Gold or VIP checking account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

 

BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

 

ACCRUAL ON NONCASH DEPOSITS
Interest begins to accrue on the business day you deposit noncash items (for example, checks).


FEES AND CHARGES
Please refer to the fee schedule.


TRANSACTION LIMITATIONS

Transfers from a Money Market Deposit account to another account or to third parties by check, draft or similar order, preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle.

Back to top

 

Click here
to learn more
about
Relationship
Banking

Check our rates