Savings

  • Minimum balance: $1.00
  • Dividends: Paid quarterly based on average daily balances over $100.00
  • Dividend Rate: Declared quarterly – Current Rates
  • Monthly Service fees: No monthly service fee if average daily balance for that month remains over $100.00 (only $1.00 if it doesn’t)
  • Free ATM card
  • Free Audio Response (Access24)
  • Free Online Banking

    Fees

  • Low Balance Fee: $1.00/month if your average daily balance drops below $100.00 during that calendar quarter.
  • Paper Statement Fee: $2.00 per statement. Members with over $10,000 in Regular Savings are exempt from the fee. All members are encouraged to signup for our free e-statements.
  • Excessive Withdrawal Fee: (for in-office withdrawals only) You will be charged a $5.00 fee if your average daily balance falls below $100 and you have made more than four (4) in-office withdrawals that quarter. We encourage all members, especially those who require frequent small withdrawals, to obtain our free ATM card for “fee-free” use in our ATMs.
  • Minimum Balance Requirements: None
  • Dividends:Paid quarterly based on average daily balances over $500.00
  • Dividend Rate:Declared quarterly – Current Rates
  • Monthly Service Fees: No monthly service fee if your average daily balance remains over $100.00 for that month (only $2.00 if it doesn’t)
  • Overdraft Protection from Savings and/or Overdraft Loan account
  • Free Debit Card or ATM card
  • Free Online Banking
  • Free Audio Response (Access24)
  • Free Copies of Cleared Checks (if pulled via Online Banking)
  • Optional Bill Payer Service: Free as long as you do at least one (1) transaction per month. ($5.00 per month when you don’t)

    Fees

  • NSF Fee: $30.00 per item
  • Copy of Cleared Check: $5.00 each (free if you retrieve a copy via Online Banking)
  • Stop Payments: $10.00 per check
  • Check Paid Against Uncollected Funds: $20.00 each
  • Low Balance Fee: $2.00/month if your average daily balance falls below $100
  • Paper Statement Fee: $2.00 per statement. Members with over $10,000 in Regular Savings are exempt from the fee. All members are encouraged to signup for our free e-statements.
  • Excessive Withdrawal Fee: (for in-office withdrawals only) You will be charged a $5.00 fee if your average daily balance falls below $100 and you have made more than four (4) in-office withdrawals that quarter. We encourage all checking members, especially those who require frequent small withdrawals, to obtain our free Debit Card for “fee-free” use in our ATMs
  • Minimum Balance Requirement: $2,000.00
  • Dividends: Paid quarterly on average daily balances over $2,000.
  • Dividend Rate: Declared quarterly – Current Rates
  • Service Fees: No services fees (monthly or annually)
  • Authorized Number of Withdrawals: 6 per month (in-office only)
  • To Make non-Office Withdrawals: First transfer funds to checking or savings by: Calling branch office, using Online Banking, and/or calling Audio Response. Then withdraw those funds via check and/or ATM/Debit Card
  • Club Year: Begins on October 1st and ends on September 30th
  • Renewal: Automatic
  • New Clubs: May open at anytime during the year
  • Dividends: Paid quarterly on average daily balance
  • Dividend Rate: Declared quarterly – Current Rates
  • Early Withdrawals: Not permitted during club year (unless withdrawal is to close club – new club can not be re-opened until next club year)
  • Deposits: “Payroll Deduction”, share transfers, and/or teller deposits
  • Payment Options:
    • October 1st: (Option) Automatic transfer to: Savings; Checking; or Money Market. You may change your transfer option at anytime during plan year
    • October 15th: (Default) Check mailed to your home address
  • Although its called a “Vacation Club” – our members use it for a variety of reasons. Its like the old “envelope savings method” – where you put money into different envelopes — with each envelope having a special purpose. Some of the reasons our members use the club are:
    • Vacations
    • Property Taxes
    • College funds
    • Dream Account
    • Special Purchase Account
  • Minimum Balance Requirement: None
  • Dividends: Paid quarterly on average daily balance
  • Dividend Rate: Declared quarterly – Current Rates
  • Service Fees: None
  • Deposits: “Payroll Deduction”, share transfers, and/or teller deposits
  • Maturity: None
  • Withdrawals: 3 per year.
  • Note: The $5.00 excessive withdrawal fee will apply for each withdrawal over 3 per calendar year.
  • Minimum Balance: $1,000 per certificate
  • Dividends: Paid at Maturity
  • Dividend Rate: Current Rates
  • Service Fees: None
  • Early Withdrawal Penalty: 90 days of interest or interest to date – which ever is least
  • Terms:
    • 3 months
    • 6 months
    • 12 months
    • 36 months
  • Automatic Renewal: Yes. You will receive a maturity notice at least 30 days before maturity. If you do not close the account, the CD will roll-over for the same term — at the current certificate rate for that term