Money Market Fund Checking Account

Account Fees:

• If the balance falls below an average collected balance of $1,000.00, a maintenance fee of $10.00 will apply. 

Rate Information:

• This account is an interest-bearing account. 
• The interest rate and annual percentage yield are available on request.
• At our discretion, we may change the interest on the accounts daily. 
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 
• Interest will be compounded monthly for checking accounts
• We use the daily balance method to calculate the interest on an account.
• This method applies a daily periodic rate to the principal in the account each day.  
• If the account is closed before interest is credited, you will not receive the accrued interest.

Limitations:

• You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction.  Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
• Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Regular Savings Account

Account Fees:

• A minimum balance of $100 must be maintained to avoid service charge. 
• If the balance falls below $100, at any time during the month, a $1.00 maintenance fee will be assessed for that month.
• Withdrawals in excess of three per month will be charged $1.00 per withdrawal. 

Rate Information:

• This account is an interest-bearing account.
• The interest rate and annual percentage yield are available on request.
• At our discretion, we may change the interest on the accounts daily. 
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
• Interest will be compounded monthly for checking accounts
• We use the daily balance method to calculate the interest on an account.
• This method applies a daily periodic rate to the principal in the account each day. 
• If the account is closed before interest is credited, you will not receive the accrued interest.  

Limitations:

• You may make six (6) transfers from this account each four (4) week, or similar, period by preauthorized or automatic transfer, telephone (including data transmission) agreement order or instruction.  Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
• Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.

Special Savings Account

General:

• Special Savings Accounts are available to senior citizens (55 & over) and minors under 18. 
  Half of the minimum opening deposit amount is required for minors. 

Account Fees:

• Withdrawals in excess of three per month will be charged $1.00 per withdrawal. 

Rate Information:

• This account is an interest-bearing account. 
• The interest rate and annual percentage yield are available on request.
• At our discretion, we may change the interest on the accounts daily. 
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). 
• Interest will be compounded quarterly for savings accounts.
• If the account is closed before interest is credited you will not receive the accrued interest. 
• We use the daily balance method to calculate the interest on an account. 
• This method applies a daily periodic rate to the principal in the account each day.  
• If the account is closed before interest is credited, you will not receive the accrued interest.

Limitations:

• You may make six (6) transfers from this account each four (4) week or similar period, by preauthorized or automatic transfer telephone (including data transmission) agreement order or instruction ,three of these transactions may be made by  check, draft, Debit card or similar order (including POS transactions), made by the depositor and payable to third parties. 
• Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited.