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Banking Solutions
Savings
Standard Savings
:: Minimum Balance
is $100.00
:: If balance falls
below $100.00 any day of the semi-annual cycle a $2.00 fee per semi-annual
cycle is assessed
:: Interest compounds
semi-annually
:: Need to keep $10.00
to earn 1.00% APY*
:: 24 debits (excluding
ATM) during semi-annual statement then $.50 per debit thereafter.
:: The above fees
will not apply if you are a student thru age 22 or a senior citizen
(age 62 or older).
Note: Fees may reduce earnings
Money Market Savings
:: Minimum balance
$2500.00
:: Falls below $2500.00=$5.00
fee (plus tax)
:: Must maintain $2500.00
to earn .70% APY*
:: Falls below $2500.00
but at least $600.00 you will earn the NOW Account rate (.40% APY)
on those days.
:: Transfers from
this account to another account or to a third party are limited
to 6 per statement, no more than 3 can be by check or draft.
:: $5.00 fee (plus
tax) will be charged for each debit in excess of six.
Note: Fees may reduce earnings
First Preferred
Money Market
:: Minimum balance
$2,500.00
:: Falls below $2500.00=$5.00
Fee plus tax
:: Must maintain balance
between $2500.00-$24,999.99 to earn 1.84% APY*
:: Must maintain balance
between $25,000.00-$49,999.99 to earn 2.34% APY*
:: Must maintain balance
between $50,000.00 -$74,999.00 to earn 2.55% APY*
:: If balance is $75,000.00
or over, earn 2.84% APY*
:: If the balance
falls below $2500.00 but is at least $600.00, you will earn the
NOW Account rate (.40% APY*) on those days.
:: Transfers from
this account to another account or to a third party are limited
to 6 per statement, no more than 3 can be by check or draft.
:: $5.00 fee (plus
tax) will be charged for each debit in excess of six.
Note: Fees may reduce earnings
Christmas Club
:: Christmas Club
accounts mature Oct. 20, 2006 (Term varies depending on when the
account is opened.)
:: Holiday savings
account with an interest rate of 3.00% (3.00% APY)
:: Minimum balance
of $1.00
:: Christmas Club
checks can automatically be deposited to your account
Buck-aroos
Kids' Club
:: Ages 0-12
:: Minimum balance
of $10.00
:: Withdrawals can
be made only during the first 10 day of each quarter (January,
April, July, October)
:: Kids' savings
account with an interest rate of 1.50% (1.50% APY)
:: No fees
associated with this account
*APY = Annual Percentage Yield
Effective date of APYs quoted: April 22, 2008
APYs subject to change after account opening.
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