Deposit Accounts

Regular Checking Account

• $50 minimum balance to avoid monthly service charge
• No limits on check writing
• Students and seniors may qualify for free checking

NOW Account

• View the interest rate this account earns
• $300 minimum balance to avoid monthly service charge
• No limits on check writing

Super NOW Account

• View the interest rate this account earns
• $1,000 to open account; $300 minimum balance to avoid monthly service charge
• No limits on check writing
• If balance becomes $999.99 or below, the rate and APY will be at the NOW Account rate and APY.

Money Market Account

• View the interest rate this account earns
• Three tiers available - $2,500, $100,000 and $250,000
• Must maintain minimum balance to avoid monthly service charge
• Limit on number of withdrawals, see Truth-in-Savings for details
• If the balance falls below $250,000 but is still above $100,000, the rate and APY will be at the $100,000 money market account rate and APY. If balance falls below $100,000 but is still above $2,500, the rate and APY will be at the $2,500 money market account rate and APY. If the balance falls below $2,500, the rate and APY will be at the Super NOW Account rate and APY.

Passbook Savings

• View the interest rate this account earns
• No monthly service charge
• Minimum $10 deposit to open account

Christmas Club

• View the interest rate this account earns
• Minimum $10 deposit to open account
• Withdrawal only available at the end of October

Certificate of Deposit (CD)

• View the various terms, minimum deposits and interest rates for CDs
• Substantial penalty for early withdrawal

IRA

• View the interest rate this account earns
• Minimum $100 deposit to open account
• Term: 18 months; Compounding/crediting: Quarterly

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