CURRENT RATES AND FEES (Through August 04, 2010)
  

DEPOSIT RATES CD AND IRA RATES FEE SCHEDULE

LOAN RATES  PLEASE CONTACT A LOAN OFFICER TODAY!  Contact Us

    INTEREST-BEARING DEPOSIT ACCOUNT RATES

ACCOUNT

MINIMUM
OPENING
BALANCE

 ANNUAL
INTEREST
RATE*

ANNUAL
PERCENTAGE
YIELD (APY**)
 EChecking ***

Criteria Met
Criteria Not Met

2.50%
0.10%

2.50%
0.10%
 NOW

$    1,000

0.15%

0.15%
 Super NOW

$    2,500

0.20%

0.20%
 Money Market

$    1,000
$  10,000
$  25,000
$  50,000
$100,000

0.20%
0.30%
0.35%
0.45%
0.65%

0.20%
0.30%
0.35%
0.45%
0.65%
 Passbook Savings

$       100

0.25%

0.25%
 Christmas Club

$      1.00

0.50%

0.50%

 *Rates are updated every Thursday.
 **APY is based on reinvestment of interest earned on investment.
 ***Some Restrictions Apply, See Customer Service Rep for details.

CD AND IRA RATES

PRODUCT

MINIMUM
OPENING
BALANCE

ANNUAL
INTEREST
RATE*

ANNUAL
PERCENTAGE
YIELD (APY**)
 07-91 Days

$   1,000

0.35%

0.35%
 06 Months

$   1,000

0.65%

0.65%
 12 Months

$      500

0.95%

0.95%
 18 Months

$      500

1.15%

1.15%
 24 Months 

$      500

1.35%

1.35%
 36 Months

$      500

1.60%

1.61%
 48 Months

$      500

2.10%

2.11%
 60 Months

$      500

2.40%

2.41%
 15 Month "FLEX"

$   1,000

1.50%

1.51%
 Rising Rate

$ 10,000

1.00%  1st 6 Mos.
1.36% 2nd 6 Mos.
2.56% 3rd 6 Mos.

1.65%
 *Rates are updated every Thursday.
 **APY is based on reinvestment of interest earned on investment and held to maturity.
 Penalty for early withdrawal may apply.

FEE SCHEDULE (AS OF AUGUST 1, 2010)
 

 Per Month
 Free Checking - (no minimum balance)

 $

0.00
 E-Checking - (no minimum balance)

 $

 0.00
 Gold 50 Checking - below $100

 $

 8.00
 Gold 50 Plus - (no minimum balance) 

 $

 7.00
 V.I.P. Checking - (no minimum balance)      
    Plan A ($10M AD&D Insurance) (no minimum balance)

 $

 8.00
    Plan B ($20M AD&D Insurance) (no minimum balance)

 $

 9.00
    Plan C ($30M AD&D Insurance) (no minimum balance)

 $

 10.00
 Business Checking Account - below $500    
    (250 items per month at no charge) ($0.20 excess item fee)

 $

 9.00
 Regular Checking Account - below $500

 $

 7.00
 Student Checking - (no minimum balance)

 $

 0.00
 Now - below $1,000

 $

 8.00
 Super Now - below $2,500

 $

 11.00
 Money Market Checking - below $1,000

 $

 11.00
    Money Market Excess Withdrawal Fee (above 6 per month)

 $

 3.00
 Regular Savings - below $100 (per quarter)

 $

 5.00
    Excess Regular Savings Withdrawal (above 12 per quarter)

 $

5.00
 Relationship Savings - below $300 (monthly)

 $

5.00
    Excess Relationship Savings Withdrawal (above 2 per month)

 $

 5.00
    Relationship Savings ATS (per transfer)

 $

10.00
       (ATS = Automated Transfer Fee for Overdrafts/NSF)    
 Christmas Club (Early Withdrawal / Close fee)

 $

6.00
 Miscellaneous Fees    
 Bond Collection (per item)

 $

 15.00
 Cashiers Check Fee (per check)

 $

 6.00
 Certified Check Fee (per check)

 $

  5.00
 Chargeback Item Fee

 $

 6.00
 Collection Fee (per item)

 $

  10.00
 Counter-Checks (each)

 $

 0.25
 Customer Requested "Alert"

 $

 10.00
 Dormant Account Fee

 $

 4.00
 Garnishment/Levy (per item)

 $

50.00
 Money Order (each) [DEPOSIT CUSTOMERS ONLY]

 $

 6.00
 Non-Customer Check Cashing (per $100 or part thereof)

 $

 2.00
 Overdraft/NSF (per item)

 $

 30.00
 Photocopy/Fax/Microfilm (per copy page)

 $

 0.25
 Research/Account Reconciliation (per hour)

 $

 20.00
 Special Statement Fee (per item)

 $

 3.00
 Stop Payment (per item)

 $

 30.00
 Telephone Transfer (per item)

 $

 5.00
 Wire Transfer (each) Incoming [DEPOSIT CUSTOMERS ONLY]

 $

 15.00
 Wire Transfer (each) Outgoing [DEPOSIT CUSTOMERS ONLY]

 $

 20.00

  
  
 
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