Personal Savings Account Options
|Personal Savings||Personal Money Market||Certificates of Deposit|
|Free online banking|
|Free monthly eStatement||N/A|
|Optional paper statement fee||$10 per statement cycle||$10 per month||N/A|
|Minimum to open||$50||$50||$1,000|
|Interest*||Compounded daily, paid quarterly.||Compounded monthly, paid monthly.||Compounded monthly, paid monthly.|
|Maintenance fee||$7 per quarter||$5 per month||N/A|
|Free of maintenance fee if...||You maintain an average balance of $300 or more.||You maintain an average balance of $2,500 or more.||N/A|
|Transaction limits and fees||Permits six (6) transfers per statement cycle, all of which can be online, point-of-sale or similar order. Unlimited transactions in person and at ATM. Unlimited deposits. Excess transaction fee of $2 per item in excess of those allowed by law.**||Permits six (6) transfers per statement cycle, all of which can be online, point-of-sale or similar order. Unlimited transactions in person and at ATM. Unlimited deposits. Excess transaction fee of $10 per item in excess of those allowed by law.**||A penalty for early withdrawal. Please see Account Agreement & Disclosure for additional information.|
*Rates subject to change daily.
**We reserve the right to switch account type for frequent excess transaction activity.
This disclosure contains information about terms and fees and interest rates for some of the accounts we offer, and is subject to change at any time. For current interest rate information, please call your local branch office. All checking accounts include Electronic Statements (eStatements). See Account Agreement and Disclosure and Schedule of Fees and Charges brochure that may also affect your account. Restrictions may apply. Rate Information: If your account is an interest-bearing account, the interest rate and annual percentage yield (APY) are included in the Rate Chart provided separately. The interest rate and APY may change. At our discretion, we may change the interest rate on any account at any time without notice. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly unless otherwise indicated. If the account is closed before interest is credited you will not receive the accrued interest. Balance Information: We use the average daily balance method to calculate interest on your account except for the Certificate of Deposit, for which we use the daily balance method. The daily balance method applies a periodic rate to the principal in the account each day. The average daily balance is calculated by adding the principal in the account for each day of the period dividing that figure by the number of days in the period. Fees may reduce earnings. Fees effective as of 1/1/2020.