Accounts


Regular Checking Accounts

DDA Account

  • no minimum balance required to open account.
  • Minimum balance to avoid imposition of fees- A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.
  • Fees: A per item fee of $.20 will be charged for each debit item during a statement cycle. This fee will apply if the account balance falls below $300.00 on any day during the statement cycle.

NOW Checking Account

  • Rate Information- Your interest rate and annual percentage yield may change.
  • Frequency of rate changes- We may change the interest rate on your account at any time.
  • Determination of rate- At our discretion, we may change the interest rate on your account.
  • Compounding frequency- Interest will be compounded monthly.
  • Crediting frequency- Interest will be credited into this account monthly.
  • Effect of closing an account- If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account- You must deposit $1,000.00 to open this account.
  • Minimum balance to avoid imposition of fees- A service charge fee of $7.50 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
    A per item fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).
    This fee will apply if the daily balance falls below $1,000.00
  • Daily balance computation method- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of interest on noncash deposits- Interest begins to accrue on the business day you deposit noncash items (for example, checks).

NOW PLUS Account

  • Rate Information- Your interest rate and annual percentage yield may change.
  • Frequency of rate changes- We may change the interest rate on your account at any time.
  • Determination of rate- At our discretion, we may change the interest rate on your account.
  • Compounding frequency- Interest will be compounded monthly.
  • Crediting frequency- Interest will be credited into this account monthly.
  • Effect of closing an account- If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account- You must deposit $25,000.00 to open this account.
  • Minimum balance to avoid imposition of fees- A service charge fee of $8.50 will be imposed every statement cycle if the balance in the account falls below $25,000.00 any day of the cycle.
    A per item fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).
    This fee will apply if the daily balance falls below $25,000.00
  • Daily balance computation method- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of interest on noncash deposits- Interest begins to accrue on the business day you deposit noncash items (for example, checks).

SUPER NOW Account

  • Rate Information- Your interest rate and annual percentage yield may change.
  • Frequency of rate changes- We may change the interest rate on your account at any time.
  • Determination of rate- At our discretion, we may change the interest rate on your account.
  • Compounding frequency- Interest will be compounded monthly.
  • Crediting frequency- Interest will be credited into this account monthly.
  • Effect of closing an account- If you close your account before interest is credited, you will not receive the accrued interest.
  • Minimum balance to open the account- You must deposit $50,000.00 to open this account.
  • Minimum balance to avoid imposition of fees- A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $50,000.00 any day of the cycle. A per item fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).
    This fee will apply if the daily balance falls below $50,000.00
  • Daily balance computation method- We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of interest on noncash deposits- Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Current Deposit Rates

Current Interest Rates APY%
NOW Accounts 0.10%
NOW Plus Accounts 0.60%
Super NOW Accounts 1.10%



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