Deposit Products

Checking | Savings | NOW Account | Money Market Checking | CDs | IRAs | 

Checking

Star Checking

  • Minimum balance to open the account- $50.00
  • Monthly maintenance fee- $5.00
  • Per item fee- None (unlimited check writing)
  • Balance requirement- None
  • Free Debit Card

Regular Checking

  • Minimum balance to open the account- $ 50.00 
  • Minimum balance to avoid imposition of fees-$700.00
  • A maintenance fee of $ 8.00 will be imposed every statement cycle if the balance in the account falls below $ 200.00 any day of the cycle. 
  • A maintenance fee of $ 6.00 will be imposed every statement cycle if the balance in the account falls below $ 500.00 any day of the cycle. 
  • A maintenance fee of $ 4.00 will be imposed every statement cycle if the balance in the account falls below $ 700.00 any day of the cycle. 

Gold Star Checking

  • Minimum balance to open the account- $ 50.00
  • To qualify for this account you must be 55 years of age or over and have direct deposit to the account.

New Outlooks Club

  • Minimum balance to open the account- $ 50.00
  • A maintenance fee of $ 10.00 a month for individuals or $ 12.00 a month for families will be charged each statement cycle.
  • Two Free boxes of Specialty Grey checks per calendar year.

Nonprofit Organization Checking

  • Minimum balance to open the account- $ 50.00
  • Minimum balance to avoid imposition of fees-$700.00
  • A maintenance fee of $ 4.00 will be imposed every statement cycle if the balance in the account falls below $ 700.00 any day of the cycle.

Business Checking

  • Minimun balance to open the account-$50.00
  • A maintenance fee of $12.00 will be imposed every statement cycle if the balance in the account falls below $1500.00 any day of the cycle.
  • A maintenance fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $25,000.00 but not less than $1500.00 on any day of the cycle.
  • No maintenance fee if the balance in the account remains above $25,000.00 every day of the cycle.

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Top Home Previous Page Savings

  • No minimum balance to open the account.
  • 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 and crediting frequency- Interest will be compounded every day. Interest will be credited to your account every quarter.
  • Effect of closing an account- If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to avoid imposition of fees:
A maintenance fee of $ 5.00 will be imposed every statement cycle if the balance in the account falls below $ 50.00 any day of the cycle. 

Minimum balance to obtain the annual percentage yield disclosed:
You must maintain a minimum balance of $ 50.00 in the account each day to obtain the annual percentage yield. 

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 non-cash deposits:
Interest begins to accrue on the business day you deposit non-cash items (i.e., checks). 

Transaction limitations:
Withdrawals or other transfers from a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to nine per quarterly cycle (with no more than six per month). 

Fees:
An excess withdrawal fee of $ 5.00 will be charged for each debit in excess of nine during a quarter.

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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 and crediting frequency:
Interest will be compounded every month. Interest will be credited to your 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: $ 100.00

Minimum balance to avoid imposition of fees:
A maintenance fee of $ 10.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle. 

Minimum balance to obtain the annual percentage yield disclosed:
You must maintain a minimum balance of $1,500.00 in the account each day to obtain the annual percentage yield. 

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 non-cash deposits:
Interest begins to accrue on the business day you deposit non-cash items (i.e., checks).

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Money Market Checking

Rate Information:
Your interest rate and annual percentage yield may change.

Frequency of rate changes:
We may change the interest rate on your account.

Determination of rate:
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency:
Interest will be compounded every month. Interest will be credited to your account every month. 

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:  $100.00 

Minimum balance to avoid imposition of fees:
A maintenance fee of $ 10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. 

Minimum balance to obtain the annual percentage yield disclosed:
You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. 

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 non-cash deposit:
Interest begins to accrue on the business day you deposit non-cash items (i.e.,checks). 

Transaction limitations:
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer  transfer or by check, draft, point-of-sale, or similar order to third parties are limited to six per statement cycle. If you exceed the transfer limitations set forth above, your account may be subject to closure. 

Fees:
An excess withdrawal fee of $ 10.00 will be charged for each debit in excess of the above limitations.

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Certificates of Deposits

Minimum balance requirement:
You must make a minimum deposit to open this account of $ 1,000.00.

Rate information:
The APY (Annual Percentage Yield), assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. 

Early Withdrawal Penalty:
If we consent to a request for withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will be an amount equal to: up to 1 yr. CD- 90 day penalty. Over 1 yr- 183 day penalty. 

Compounding and Crediting:
Withdrawals of Interest: Interest accrued during a term can be withdrawn. 

Renewal Policy:
All Certificates of Deposit will Automatically Renew. You will have 10 days after the maturity date to withdraw funds without penalty. 

Transaction Limitations:
You cannot make additional deposits to this account during a term (other than credited interest). 

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.

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Individual Retirement Accounts (IRA)

Minimum balance requirement:
You must make a minimum deposit to open this account of $ 100.00. 

Rate information:
Early Withdrawal Penalty: If we consent to a request for withdrawal that is otherwise not permitted you may have to pay a penalty. The penalty will be an amount equal to: Up to 1 yr. IRA -90 day penalty. Over 1 yr. 183 day penalty. 

Effect of Closing an IRA:
If you close your account before interest is credited, you will receive the accrued interest. Other penalties will apply from the Internal Revenue Service. 

Renewal Policy:
All IRAs will Automatically Renew. You will have one day after the maturity date to withdraw funds without a penalty. 

Transaction Limitations:
You may make additional contributions to this account during a term as long as you do not exceed your maximum yearly contribution. 

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

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