Deposit Products

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

Checking

Star Checking

  • Free Bill Pay
  • Free Debit Card
  • Free E-statements
  • Free Online & Mobile Banking
  • Unlimited Transactions
  • Access to 55,000 Free ATMs
  • Minimum balance to open an account - $50.00
  • Monthly Service Charge - $5.00

Regular Checking

  • Free Bill Pay
  • Free Debit Card
  • Free E-statements
  • Free Online & Mobile Banking
  • Unlimited Transactions
  • Access to 55,000 Free ATMs
  • Minimum balance to open an account - $50.00
  • No service charge if minimum balance is $700.00 and above
  • $4.00 service charge if minimum balance is $500.00 – $699.99
  • $6.00 service charge if minimum balance is $200.00- $499.99
  • $8.00 service charge if minimum balance is $0.00 – $199.99

Gold Star Checking

  • Free Bill Pay
  • Free E-statements
  • Free Online & Mobile Banking
  • Unlimited Transactions
  • Access to 55,000 Free ATMs
  • Minimum balance to open an account - $50.00
  • No monthly service charge
  • You must be 55 years of age or over and have direct deposit to qualify for this account

Nonprofit Organization Checking

  • Free E-statements
  • Free Online & Mobile Banking
  • Access to 55,000 Free ATMs
  • Minimum balance to open an account - $50.00
  • No service charge if the balance is $700.00 or above
  • $4.00 service charge if minimum balance falls below $700.00 any day of the cycle.

Business Checking

  • Free Bill Pay
  • Free E-statements
  • Free Online & Mobile Banking
  • Unlimited Transactions
  • Access to 55,000 Free ATMs
  • Minimum balance to open an account - $50.00
  • No service charge if minimum balance is above $25,000
  • $6.00 service charge if minimum balance is $1,500 – $24,999.99
  • $12.00 service charge if minimum balance is $0.00 – $1,499.99

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Top Home Previous Page Savings

  • Free ATM card
  • Free E-statements
  • Free Online & Mobile Banking
  • Access to 55,000 Free ATMs
  • 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 service charge 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

  • Free Bill Pay
  • Free Debit Card
  • Free E-statements
  • Free Online & Mobile Banking
  • Unlimited Transactions
  • Access to 55,000 Free ATMs

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 service charge 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 Savings

  • Free E-statements
  • Free Online & Mobile Banking
  • Access to 55,000 Free ATMs

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 service charge 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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