IMPORTANT ALERT!

Change in Debit Card Fees

ATM Currency Conversion and CrossBorder Transaction Fees - If you effect a transaction with your Debit MasterCard in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount.  The MasterCard currency conversion procedure includes use of either a goverment-mandated exchange rate or a whole sale exchange rate selected by MasterCard.  The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed.  This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.  MasterCard charges a Currency Conversion Assessment (.2% of the transaction) for performing the currency conversion.  In addition, MasterCard charges us an Issuer CrossBorder Assessment (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion.  A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the Merchant is different than the country of the cardholder.

As a result, effective March 1, 2019, we will charge you a Currency Conversion fee of .2% and a CrossBorder transaction fee of .9%.

Lost, Stolen or Damaged Card Replacement Fee - Effective March 1, 2019, the fee to replace a damaged, lost or stolen card will be $10

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Rates - Effective 02/15/2019

There is no minimum balance requirement to obtain the Annual Percentage Yield

Checking Accounts

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Daily Balance Compounding/Crediting Frequency
   NOW   0.10% 0.10% $300.00   Monthly
   Super NOW Tier 1 0.10% 0.10% $1,000.00 up to $999.99 Monthly
  Tier 2 0.25% 0.25% $1,000.00 $1,000.00 and up Monthly
   Money Market Tier 1 0.25% 0.25% $2,500.00 up to $2,499.99 Monthly
  Tier 2 0.25% 0.25% $2,500.00 $2,500.00 - $99,999.99 Monthly
  Tier 3 0.50% 0.50% $2,500.00 $100,000.00 - $249,999.99 Monthly
  Tier 4 0.75% 0.75% $2,500.00 $250,000.00 and up Monthly
   Integrated Rewards Tier 1 2.25% 2.27% $100.00 Portion of daily balance
up to $15,000.00
Monthly
  Tier 2 0.10% 2.27% - 0.10% $100.00 Portion of daily balance
$15,000.01 and up
Monthly
   Business Interest Tier 1 0.10% 0.10% $1,000.00 up to $999.99 Monthly
  Tier 2 0.10% 0.10% $1,000.00 $1,000.00 and up Monthly

Savings & Investment

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
   Passbook Savings 0.10% 0.10% $10.00 Quarterly
   Christmas Club 0.50% 0.50% $10.00 Quarterly
  For all of the above accounts, fees may reduce earnings and rates may change after account opens.
   60 Month CD 2.75% 2.78% $500.00 Quarterly
   36 Month CD 2.50% 2.52% $500.00 Quarterly
   30 Month CD 2.25% 2.27% $500.00 Quarterly
   18 Month CD 2.00% 2.02% $500.00 Quarterly
   12 Month CD 1.85% 1.86% $500.00 Quarterly
   6 Month CD 1.00% 1.00% $1,000.00 At maturity
   91 Day CD 0.50% 0.50% $1,000.00 At maturity
   7 Day CD 0.35% 0.37% $1,000.00 At maturity
  12 Mo Liquid CD 1.75% 1.76% $5,000.00 Quarterly

Specials

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
  24 Month CD 2.75% 2.78% $1,000.00 Quarterly
  Contact an employee about applicable fees. Substantial penalty imposed for early withdrawal on CDs. APY assumes interest is automatically reinvested. The 24 Month and 35 Month specials are non-auto renewable.

Retirement

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
   IRA - 18 Mo Fixed 2.00% 2.02% $100.00 Quarterly

Loans

   For information on loan products please contact a loan officer at (618) 282-3939.

Consumer Loans

   Rates vary according to terms and conditions of the loan. Please contact a loan officer at 282-3939 or 282-4777 for more information.