Financial Calculators


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The following rates are effective November 14th, 2008 through November 20th, 2008.


Time Certificate of Deposits (CD's) and IRA's
Account Type
Interest Rate
Annual Percentage Yield
3 Month CD
2.10%
2.12%
6 Month CD
2.40%
2.42%
12 Month CD
2.55%
2.58%
12 Month Accumulator CD
2.55%
2.58%
18 Month CD
2.75%
2.78%
24 Month CD
2.80%
2.83%
30 Month CD
2.85%
2.88%
36 Month CD
2.90%
2.93%
48 Month CD
3.05%
3.09%
12 Month Accumulator IRA
2.70%
2.73%
18 Month IRA
2.90%
2.93%
24 Month IRA CD
2.95%
2.99%
30 Month IRA CD
3.00%
3.04%
36 Month IRA CD
3.05%
3.09%
A SUBSTANTIAL PENALTY IS IMPOSED ON EARLY WITHDRAWAL.
ANNUAL PERCENTAGE YIELD ASSUMES INTEREST WILL REMAIN IN DEPOSIT UNTIL MATURITY.



Interest Rates on NOW account and Money Market Checking Accounts
Account
Interest Rate
Account Value
Annual Percentage Yield
NOW Checking
1.05%
Any Value
1.06%
Money Market Checking
0.00%
($0 to $999.99)
0.00%
1.45%
($1,000 to $19,999.99)
1.46%
1.75%
($20,000 to 49,999.99)
1.76%
2.05%
($50,000 to $99,999.99)
2.06%
2.40%
($100,000 and above)
2.42%
THE ABOVE REFERENCED ANNUAL PERCENTAGE YIELD ASSUMES MONTHLY COMPOUNDING OF INTEREST AND A MONTHLY CREDITING FREQUENCY.

FEES MAY AFFECT EARNGINGS ON THE ACCOUNT.
RATES MAY CHANGE AFTER THE ACCOUNT IS OPENED.



Savings Account Information
Account
Interest Rate
Annual Percentage Yield
Savings
1.20%
1.21%
THE ANNUAL PERCENTAGE YIELD ON SAVINGS ASSUMES QUARTERLY COMPOUNDING OF INTEREST AND A QUARTERLY CREDITING FREQUENCY.
SAVINGS ACCOUNT BALANCES UNDER $50.00 DO NOT EARN INTEREST.
INTEREST AND ANNUAL PERCENTAGE YIELD MAY CHANGE AT OUR DISCRETION.




ADDITIONAL FEES RELATED TO VARIOUS BANKING ACTIVITIES

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Effective July 1, 2008
Check Printing
(fee depends on style of check ordered)
Garnishments
$20.00
Executions
$20.00
Levies
$20.00
Overdraft (each debit or check paid)
$18.00
Non-sufficient funds (NSF) item (each)
$18.00
Account Research
$20.00 per hour
Copies
$.25 each
Account balancing assistance
$20.00 per hour
Copies
$.25 each
Return item charge
$3.00 each
Telephone transfer from savings to checking (less than $50.00)
$2.00
Telephone transfer from savings to savings (less than $50.00)
$2.00
Telephone transfer from savings to loan (less than $50.00)
$2.00
Telephone transfer from checking to savings (less than $50.00)
$2.00
Telephone transfer from checking to checking (less than $50.00)
$2.00
Telephone payment from checking to loan (less than $50.00)
$2.00
Stop payments good for six months - all items
$16.00
Photocopies
$.25 per item
Wire transfers
Outgoing (customer)
$20.00
Outgoing (noncustomer)
$30.00
Outgoing (foreign)
$40.00
Wire transfers
Incoming (non-customer)
$10.00
Additional statement
$2.00
Verification of deposit and credit ratings
$5.00
Non-customer check cashing
$35.00 per check
Travelers Checks (non customers)
$2.00 per $100
Collections-incoming
$20.00
Collections-outgoing
$20.00
Fax-outgoing
$5.00 first page
(additional pages)
$1 per page
An account is dormant if for one year you have made no deposits or withdrawals to the account and you have had no communication with us about your account(s).
Dormant account fee for DDA with balance less than $100.00
This fee is charged each month.
$5.00
Dormant account fee for Savings account with balance less than $50.00
This fee is charged each quarter
$5.00
Accounts closed in first 90 days
$35.00
Cashier's checks
$4.00
Official Checks
$4.00
Money Orders
$3.00
We may require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawals.


Bill Pay
Monthly Fee
$5.00
Check Copy Mailed or Faxed
$5.00
Check copy mailed to Merchant
$7.00
Overnight Carrier Delivery Charge per item
$15.00
Special/Custom Report change
$25.00
Research fee for items over 8 months old
$25.00

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