Rates
Account and Service Fees
Effective March 6, 2012
| Fees Applicable to All Account Types | |||||||||||
| Bank By Mail | Postage Paid One Way | ||||||||||
| Night Depository | Envelope Drop | ||||||||||
| Money Order & Cashiers Checks | $3.00 | ||||||||||
| Wire Transfer | $20.00 | ||||||||||
| Stop payment | $15.00 | ||||||||||
| Insufficient Funds & Overdrafts | $20.00 per check or debit | ||||||||||
| Account Research | $25.00 per hour | ||||||||||
| Copies | No Charge to Customers Unless Bulk Quantity Non Customers $.25 Each |
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| Fax Service | $1.00 Per Page | ||||||||||
|
ATM/Debit Card Replacement Card Cash withdrawal at Foreign ATM fee ATM Inquiry or Transfer (aggregated on monthly statement) |
$5.00 $1.00 $.50 each |
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| Garnishment Fee | $8.00 | ||||||||||
| Notary Public | No Charge to Customers $2.00 Non Customer | ||||||||||
| Safe Deposit Box Rent |
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| Personal & Business Checking |
| Free Personalized Checks with new accounts. (First order only basic check) |
| Free Debit Card |
| Unlimited check writing. No Fee |
| $100.00 minimum Deposit to Open |
| NOW Checking |
| .10% interest rate - .10% Annual Percentage Yield, A maintenance fee of $5.00 plus $0.15 per check or debit will be applied monthly if the balance falls below $1000.00. |
| Account earns interest on average balance even if under $1000.00 |
| If account is closed before crediting, the depositor will forfeit interest accrued. |
*Interest Rates May Change after the account is opened
*Fees could reduce the earnings
| Insured Money Fund |
| Interest Rate Tiered-Minimum balance to open $2,500.00. Tiered Interest Rate Available -$.0 to $49,999.99, - .15% interest rate - .15% Annual Percenage Yield |
| $50,000.00 Plus, - .20% Interest Rate .20% Annual Percentage Yield. Unlimited in house transfers with no more than six per statement cycle by check, draft, or similar order. Interest paid on average balance. Service Charge $7.00 monthly if average balance falls below $2,500.00. Accrued interest is Paid at closing. |
*Interest Rates May Change after the account is opened
*Fees could reduce the earnings
| Passbook Savings Account |
| .10% Interest Rate .10% Annual Percentage Yield compounded quarterly, Service Charge $3.00 quarterly if balance falls below $100.00 $1.00 per withdrawal in excess of 6 per quarter. $100.00 minimum to open. 18 years old and under exempt. If account is closed before crediting the depositor will forfeit Interest accrued. |
*Interest Rates May Change after the account is opened
*Fees could reduce the earnings
| Certificates of Deposit |
| Various Maturities And Competitive Interest Rates. |
| IRA Certificate Rates (Traditional, Roth and SEP) |
| Various Maturities And Competitive Interest Rates. |
