Personal Savings Deposit Products

Features	Regular Savings	Super Savings	Money Market Savings	High Yield Money Market Savings	Kids Savings
Minimum Opening Deposit	$100	$500	$2,500	$100,000	$50
Interest Features	Compounded and Credited Quarterly	Compounded and Credited Quarterly	Compounded and Credited Monthly	Compounded and Credited Monthly	Compounded and Credited Quarterly
Minimum Daily Balance to Obtain the Disclosed Annual Percentage Yield	$100	$500	$2,500	$100,000	No Minimum Balance Requirement
Minimum Daily Balance to Avoid Fee	$100	$500	$2,500	$100,000	No Minimum Balance Requirement
Monthly Maintenance Fee (If minimum balance requirement is not met)	$5	$5	$15	$25	None
Debit Card (No Point-of-Sale)	Yes	Yes	Yes	Yes	No
Features and Benefits	Low Opening Balance 24/7 Online Banking and A2A Transfer eStatement is available	24/7 Online Banking and A2A Transfer eStatement is available	24/7 Online Banking and A2A Transfer eStatement is available	Earn High Interest Rate 24/7 Online Banking and A2A Transfer eStatement is available	Low Opening Balance eStatement is available

** $10 excessive withdrawal fee for each withdrawal or transfer in excess of 6 during a month for all savings products.

Interest-bearing account
Minimum deposit of $100.00 to open the account
$5.00 monthly service charge if account balance falls below $100.00 on any day of the month
Minimum daily balance of $100.00 each day to obtain the disclosed annual percentage yield
Interest will be compounded and credited to your account every quarter
At our discretion, we may change the interest rate on your account
If you close your account before interest is credited, you will not receive the accrued interest
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer – including online banking transaction are limited to six per month. The account may be closed for repeated violations of excessive activity.
$10 excessive withdrawal fee for each debit transaction in excess of six during a month

Interest-bearing account
Minimum deposit of $500.00 to open the account
$5.00 monthly service charge if account balance falls below $500.00 on any day of the month
Minimum daily balance of $500.00 each day to obtain the disclosed annual percentage yield
Interest will be compounded and credited to your account every quarter
At our discretion, we may change the interest rate on your account
If you close your account before interest is credited, you will not receive the accrued interest
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
Transfers from a Super Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer – including online banking transaction are limited to six per month. The account may be closed for repeated violations of excessive activity.
$10 excessive withdrawal fee for each debit transaction in excess of six during a month

Interest-bearing account
Minimum deposit of $2,500.00 to open the account
$15.00 monthly service charge if account balance falls below $2,500.00 on any day of the month
Minimum daily balance of $2,500.00 each day to obtain the disclosed annual percentage yield
Interest will be compounded and credited to your account every month
At our discretion, we may change the interest rate on your account
If you close your account before interest is credited, you will not receive the accrued interest
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
Transfers from a Money Market Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer – including online banking transaction are limited to six per month. The account may be closed for repeated violations of excessive activity.
$10 excessive withdrawal fee for each debit transaction in excess of six during a monthly statement cycle

Interest-bearing account
Minimum deposit of $100,000.00 to open the account
$25.00 monthly service charge if account balance falls below $100,000.00 on any day of the month
Minimum daily balance of $100,000.00 each day to obtain the disclosed annual percentage yield
Interest will be compounded and credited to your account every month
At our discretion, we may change the interest rate on your account
If you close your account before interest is credited, you will not receive the accrued interest
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
Transfers from a High Yield Money Market Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer – including online banking transaction are limited to six per month. The account may be closed for repeated violations of excessive activity.
$10 excessive withdrawal fee for each debit transaction in excess of six during a monthly statement cycle

Interest-bearing account
Minimum deposit of $50.00 to open the account
Interest will be compounded and credited to your account every quarter
At our discretion, we may change the interest rate on your account
If you close your account before interest is credited, you will not receive the accrued interest
Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
Transfers from a Kids Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer – including online banking transaction are limited to six per month. The account may be closed for repeated violations of excessive activity.
$10 excessive withdrawal fee for each debit transaction in excess of six during a month

Online Banking