| Product | Minimum Balance to Open | Minimum Balance to Obtain APY* | Interest Rate | APY* | Compound Periods Per Year |
|---|---|---|---|---|---|
| Free Checking | $100 | $0 | 0% | 0% | 0 |
| Now Account | $1,000 | $1,000 | 0.15% | 0.15% | 12 |
| Holiday Club | $50 | $100 | 0.50% | 0.50% | 2 |
| Passbook Savings | $100 | $100 | 0.40% | 0.40% | 2 |
| 3 Month CD | $1,000 | $1,000 | 0.25% | 0.25% | 4 |
| 6 Month CD | $1,000 | $1,000 | 0.25% | 0.25% | 2 |
| 12 Month CD | $1,000 | $1,000 | 0.40% | 0.40% | 2 |
| 15 Month CD Add-On | $1,000 | $1,000 | 0.40% | 0.40% | 4 |
| 16 Month CD Bump | $1,000 | $1,000 | 0.40% | 0.40% | 6 |
| 18 Month CD | $1,000 | $1,000 | 0.60% | 0.60% | 2 |
| 24 Month CD | $1,000 | $1,000 | 0.60% | 0.60% | 2 |
| 30 Month CD | $1,000 | $1,000 | 0.65% | 0.65% | 2 |
| 36 Month CD | $1,000 | $1,000 | 0.70% | 0.70% | 2 |
| 48 Month CD | $1,000 | $1,000 | 0.75% | 0.75% | 2 |
| 60 Month CD | $1,000 | $1,000 | 0.85% | 0.85% | 2 |
| IRA – 18 Month CD | $1,000 | $1,000 | 1.25%** | 1.25%** | 2 |
| Money Market Account | $2,500 | $1,000 | 0.50% | 0.50% | 12 |
| Consumer Treasury Index $25k | $25,000 | $25,000 | 0.50% | 0.50% | 12 |
| Consumer Treasury Index $100k | $25,000 | $100,000 | 0.50% | 0.50% | 12 |
| Business Checking | $100 | $0 | 0% | N/A | N/A |
| Books & Bucks Student Checking | $5 | New customers will receive a $10 Amazon gift card for opening an account. | Receive $25 cash each semester for good grades. Must have a GPA of 3.5 or higher and provide a copy of your transcript to request payment. | $0 | 0% |
APY* Accurate as of October 8, 2020
*APY-ANNUAL PERCENTAGE YIELD
**VARIABLE RATE – RATES MAY CHANGE AFTER ACCOUNT IS OPENED
AT OUR DISCRETION, WE MAY CHANGE THE RATE OF YOUR PASSBOOK SAVINGS, NOW, MONEY MARKET, AND CONSUMER TREASURY INDEX ACCOUNTS.
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL OF CD’S
INTEREST CALCULATED ON AVERAGE DAILY BALANCE
FEES CHARGED MAY REDUCE THE EARNINGS ON THE ACCOUNT
HOLIDAY CLUB ACCOUNT: maximum balance is limited to $2500.00; early withdrawal results in account closure; one account per household
PLEASE FEEL FREE TO ASK US FOR MORE INFORMATION REGARDING APPLICABLE FEES AND TERMS.