| Product | Minimum Balance to Open | Minimum Balance to Obtain APY* | Interest Rate | APY* | Compound Periods Per Year |
|---|---|---|---|---|---|
| Free Checking Account | $100 | $0 | 0% | 0% | 0 |
| Now Account | $1,000 | $1,000 | 0.50% | 0.50% | 12 |
| Holiday Club Account | $50 | $100 | 0.60% | 0.60% | 2 |
| Passbook Savings Account | $100 | $100 | 0.60% | 0.60% | 2 |
| 3 Month CD | $1,000 | $1,000 | 1.85% | 1.86% | 4 |
| 6 Month CD | $1,000 | $1,000 | 1.85% | 1.86% | 2 |
| 12 Month CD | $1,000 | $1,000 | 2.00% | 2.01% | 2 |
| 15 Month CD Add-On | $1,000 | $1,000 | 2.00% | 2.01% | 4 |
| 16 Month CD Bump | $1,000 | $1,000 | 2.00% | 2.01% | 6 |
| 18 Month CD | $1,000 | $1,000 | 2.20% | 2.20% | 2 |
| 24 Month CD | $1,000 | $1,000 | 2.20% | 2.20% | 2 |
| 30 Month CD | $1,000 | $1,000 | 2.25% | 2.26% | 2 |
| 36 Month CD | $1,000 | $1,000 | 2.30% | 2.31% | 2 |
| 48 Month CD | $1,000 | $1,000 | 2.40% | 2.41% | 2 |
| 60 Month CD | $1,000 | $1,000 | 2.50% | 2.51% | 2 |
| IRA – 18 Month CD | $1,000 | $1,000 | 2.50%** | 2.51%** | 2 |
| Money Market Account | $2,500 | $1,000 | 0.75% | 0.75% | 12 |
| Commercial Checking Account | $100 | $0 | 0% | N/A | N/A |
| Books & Bucks Checking Account | $5 | Customers will receive a $10 Amazon gift card for opening an account. Limit one per customer. | 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 ofJanuary 6, 2023
*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, AND MONEY MARKET.
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.
