Effective May 1, 2018

Account Type Interest Rate Compounded A.P.Y.* Min. Bal. This APY** Min. Bal. to Open
Personal Checking Accounts
Interest Checking*** 0.05 monthly 0.05 $0.00 $50.00
VIP Free Interest Checking*** 0.05 monthly 0.05 $0.00 $50.00
Community Hero Checking*** 0.05 monthly 0.05 $0.00 $50.00
Health Savings Account*** 0.25 monthly 0.25 $0.00 $50.00
Relationship Checking*** 0.05 monthly 0.05 $0.00 $50.00*****
Business Checking Accounts
Business Interest Checking*** 0.05 monthly 0.05 $0.00 $50.00
Savings Accounts
Personal Savings*** 0.05 monthly 0.05 $0.00 $100.00****
Personal Savings – Minor*** 0.05 monthly 0.05 $0.00 $10.00
Business Savings*** 0.05 monthly 0.05 $0.00 $100.00
Money Market Accounts
Personal and Business***
Under $2,000 N/A  N/A N/A  N/A  N/A
$2,000 to $9,999.99 0.05 monthly 0.05 $2,000.00 $100.00
$10,000 to $24,999.99 0.05 monthly 0.05 $10,000.00 $100.00
$25,000 to $49,999.99 0.05 monthly 0.05 $25,000.00 $100.00
$50,000 to $99,999.99 0.05 monthly 0.05 $50,000.00 $100.00
$100,000 or More 0.10 monthly 0.10 $100,000.00 $100.00
Certificates of Deposit
CD Term Interest Rate Compounded A.P.Y.* Min. Bal. This APY** Min. Bal. to Open
5 month******* 1.35 monthly 1.36 $500.00 $500.00
15 month 2.01 monthly 2.03 $500.00 $500.00
IRA/Certificates of Deposit
CD Term Interest Rate Compounded A.P.Y.* Min. Bal. This APY** Min. Bal. to Open
3 Month 0.25 monthly 0.25 $500.00 $500.00
6 Month 0.50 monthly 0.50 $500.00 $500.00
9 Month 0.75 monthly 0.75 $500.00 $500.00
12 Month 1.00 monthly 1.01 $500.00 $500.00
18 Month 1.10 monthly 1.11 $500.00 $500.00
18 Month Variable (IRA only)*** 1.10 monthly 1.11 $500.00 $500.00
24 Month 1.25 monthly 1.26 $500.00 $500.00
24 Month Bump Up****** 1.78 monthly 1.79 $500.00 $500.00
36 Month 2.01 monthly 2.03 $500.00 $500.00
48 Month 2.10 monthly 2.12 $500.00 $500.00
60 Month 2.25 monthly 2.27 $500.00 $500.00

In regard to checking, savings and money market account types, fees may reduce earnings on the account.

In regard to IRA/Certificates of Deposit, a withdrawal of principal before the maturity date may result in an early withdrawal penalty.

*Annual Percentage Yield.  Please note: If your interest does not compound monthly, the A.P.Y. is equal to the Interest Rate.

**Minimum Balance required to obtain APY listed for this Account

***The rate may change after the account is opened at any time per our discretion.

****Must maintain a balance of $300.00 in personal savings to avoid monthly maintenance fee.  Minor accounts are free.

*****Must maintain an average daily aggregate balance of $25,000.00 in your personal deposit accounts combined with the current balance of our loan accounts for the statement cycle to avoid the $9.95 monthly maintenance fee.

******If interest rates rise during your 24 month term, you will have a one-time opportunity to increase or ‘bump’ your current interest rate.

*******You may withdraw the total balance and interest earned, without penalty, beginning seven days after funds have been received for your CD. No withdrawals are permitted during the first six days following the receipt of funds.  Also no withdrawals are permitted within seven days of each other.

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