Primary
Savings Accounts
Description
l
A minimum deposit and balance of $5.00 is required in this account to
establish membership
l
This accounts is available as an individual, joint or business account.
l Earns
monthly dividends
l Each
account is insured up to $250,000 through ASI.
Features
l Ability
to do inquiries and transactions using the Audio Reponse Teller System,
also
known as the ART System. For more information on using the ART System,
please
...
l
Can also be used for ATM transactions as long as you have a Share Draft
Checking
account established.
l
ATM Transactions from any 5th 3rd bank are free of charge.
Dividends
l Dividends
are compounded daily.
l
Dividend rates are subject to change each quarter.
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Secondary
Savings Accounts
Description
l
An account established for a specific purpose
(i.e.
auto insurance, homeowners insurance, etc...)
l Each
account is insured up to $250,000 through ASI.
Features
l No
minimum deposit is required
l
Earns monthly dividends
Dividends
l Dividends
are compounded daily.
l
Dividend rates are subject to change each quarter.
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Christmas
Club Savings Accounts
Description
l
Save whatever you want monthly for Christmas. This account is
can
additonally accept deposits by cash or check.
l Can
be done using Direct Deposit also, if you have not signed
up for
a Christmas Club account, you can do so now by
..
Features
l No
minimum deposit is required
l
Earns monthly dividends
Dividends
l Dividends
are compounded daily.
l
Dividend rates are subject to change each quarter.
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Share
Draft Checking Accounts
Description
l This
accounts is available as an individual, joint or business account.
l Earns
monthly dividends
l Each
account is insured up to $250,000 through ASI.
Features
l No
minimum balance is required.
l
Courtesy Pay for Overdrafts available for $30.00.
l No
Service FEE's.
l Each
account is insured up to $250,000 through ASI.
Dividends
l Dividends
are not paid on Share Draft Checking accounts.
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Certificate
of Deposit Savings Accounts (CD's)
Description
l These
accounts are used for long-term high yield savings.
l Earns
monthly dividends
l Each
account is insured up to $250,000 through ASI.
l 12
Month Terms Only
Features
l Minimum
deposit of $10,000 at a Rate of 2.50% and APY 2.524%.
l
Minimum deposit of $50,000 at a Rate of 2.75% and APY 2.778%.
l When
your CD is funded you will not be able to add money to your
certificate.
l No
Service FEE's.
Dividends
l Dividends
are paid quarterly.
Early
Withdrawl
l There
will be a service fee for early withdrawl.
Upon
Maturity
l You
have a 10 Day grace period renew the principal or the principal
and
interest at the current rate.
l You
may have your funds deposited to your regular Share Draft
Savings
account.
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| Fee # | Type of Fee | Charge | Effective Date |
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1
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Overdraft
on ATM
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$25.00
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1/2/2008
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2
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NSF
Returns on Items
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$25.00
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1/2/2008
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3
|
Courtesy
Pay Fee
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$30.00
|
1/2/2008
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4
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Transfer
Fee over 4 per Month
|
$5.00
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1/2/2008
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5
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Stop
Payment Fee
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$20.00
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1/2/2008
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6
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Chargeback
Check Fee
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$20.00
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1/2/2008
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7
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Duplicate
Visa or Debit Card
|
$10.00
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1/2/2008
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8
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Over
5 Checks Withdrawls from Savings
|
$5.00
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1/2/2008
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9
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Statement
Re-Print
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$2.00
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1/2/2008
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10
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Loan
Modification Fee
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$25.00
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1/2/2008
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11
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Subordination
Agreement - Home Equity
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$50.00
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1/2/2008
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12
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Re-finance
Fee on Home Equity Loans
|
$500.00
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1/2/2008
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