|
Description |
Annual Percentage Rate
|
Annual Percentage Yield
|
|
Share Accounts |
|
Regular Share |
0.50%
|
.50%
|
|
Share Draft (Checking) Accounts |
|
NOW Accounts |
0.50%
|
0.50%
|
|
Regular Share Draft |
0.50%
|
0.50%
|
|
Certificates of Deposit (APR/APY) Effective 03/18/2008 |
|
APR
APY
|
6 Months |
12 Months |
24 Months |
36 Months |
48 Months |
60 Months |
|
<
$5,000
|
2.47% 2.50% |
2.96% 3.00 % |
3.20% 3.25% |
3.445% 3.50% |
3.69% 3.75% |
3.93% 4.00% |
|
$5,000 - 25,000
|
2.47% 2.50% |
2.96% 3.00% |
3.20% 3.25% |
3.445% 3.50% |
3.69% 3.75% |
3.93% 4.00% |
|
$25,001 - 50,000
|
2.47% 2.50% |
2.96% 3.00% |
3.20% 3.25% |
3.445% 3.50% |
3.69% 3.75% |
3.93% 4.00% |
|
$50,001 - 75,000
|
2.47% 2.50% |
2.96% 3.00% |
3.20% 3.25% |
3.445% 3.50% |
3.69% 3.75% |
3.93% 4.00% |
|
$75,000 - 100,000
|
2.47% 2.50% |
2.96% 3.00% |
3.20% 3.25% |
3.445% 3.50% |
3.69% 3.75% |
3.93% 4.00% |
|
>
$100,000
|
2.47% 2.50% |
3.20% 3.25% |
3.445% 3.50% |
3.69% 3.75% |
3.93% 4.00% |
4.17% 4.25% |
|
|
Traditional/Roth IRA Accounts Effective 05/01/2008 |
|
< $15,000 |
2.47%
|
2.50%
|
|
$15,000-50,000 |
2.96%
|
3.00%
|
|
$50,000-100,000 |
3.445%
|
3.50%
|
|
$100,000-150,000 |
3.69%
|
3.75%
|
|
> $150,000 |
3.93%
|
4.00%
|
|
Club Accounts Effective 06/12/2008 |
|
Kids' Club |
$50 - $49,999
|
3.00%
|
|
> $50,000
|
1.00%
|
|
Christmas Club |
2.47%
|
2.50%
|
|
Super Cash Effective 05/01/2008 |
|
< $5,000
|
0.00%
|
0.00%
|
|
$5,000 - 25,000
|
1.98%
|
2.00%
|
|
$25,001 - 50,000
|
2.23%
|
2.25%
|
|
$50,000 - 75,000
|
2.47%
|
2.50%
|
|
$75,001 - 100,000
|
2.72%
|
2.75%
|
|
> $100,000
|
2.96%
|
3.00%
|
|
Fee Description |
Charge
|
|
NSF Fee |
$35.00
|
|
Money Orders |
$0.49 each
|
|
Cashiers Checks |
$FREE$
|
|
Travelers Checks |
$FREE$
|
|
Account History |
$5.00
|
|
Stop Payment |
$35.00
|
|
Outoing Wire (Domestic) |
$25.00
|
|
Outgoing Wire (International)
|
$35.00
|
|
Wire Incoming |
$5.00
|
|
Dormant Account |
$5.00/mo.
|
|
Counter Checks |
$2.00 (for 4)
|
|
ATM Deposit w/Empty Envelope |
$25.00
|
|
Bill Pay |
$FREE$
|
|
Account Research |
$50.00 per hour
|
|
Phone Inquiry |
$FREE$
|
|
Closed Accounts |
$25.00 (a/c closes within 90 days)
|
|
Phone Transfers |
$FREE$
|
|
Copy Services |
$0.25 per page
|
|
Collect Return Items |
$20.00
|
|
Safe Deposit 3x5 |
$30.00 per year
|
|
Safe Deposit 3x10 |
$45.00 per year
|
|
Safe Deposit 5x10 |
$55.00 per year
|
|
Safe Deposit 10x10 |
$100.00 per year
|
|
Safe Deposit Box Abandoned |
$35.00
|
|
Safe Deposit Box Key Replacement |
$150.00
|
|
Safe Deposit Renewal Late Fee |
$20.00
|
|
Share Draft Service |
$10.00 per month**
|
|
Business Checking |
$35.00*
|
|
Real Estate Loan Late Fee |
$35.00 or 5% of payment
|
|
Consumer Loan Late Fee |
$25.00
|
|
Return Items |
$10.00
|
|
Levy/Garnishments |
$100.00
|
|
Visa Debit Card Replacement |
$10.00
|
|
Check Copies |
$2.00 per check
|
|
Faxes |
$2.00 per page
|
|
VISA Gift Cards |
$3.50
|
|
American Express Gift Cards |
$3.95
|
|
American Express Travelers Card |
$14.95
|
|
Courtesy Pay |
$35.00
|
|
Return Items for Business |
$7.00
|
|
New Account Fee |
$10.00
|
|
Bad Address |
$5.00/mo.
|
|
Currency/Coin Orders
|
5% of total (over $100.00)
|
|
Outgoing Wire (International)
|
$35.00
|
* No fee with a maintained minimum monthly balance of $10,000.00
** No monthly fee charged with Direct Deposit.
Fee schedule effective as of 08/01/2007 unless otherwise posted.
|
