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Effective:  August 1, 2004

Free Checking

...it's easy and yes , its free!

Now Checking

....pays you a competitive interest rate on your balance while providing all the benefits of a regular checking account.

 Account

 Interest Rate

Annual Percentage Yield

**NOW Checking

.45%

 .45%

Plus Checking

....pays you a competitive interest rate on your average balance while providing all the benefits of a regular checking account, but better than a Now account.

 Account
**Plus Checking

 Interest Rate

Annual Percentage Yield

$2,500.00 - $10,000

 .40%

 .40%

 $10,000.00 – 25,000

 .45%

 .45%

Over $25,000.00

 .55%

 .55%

 

...it's a smart move to open a Smart Money account, The Smart Money offers you the benefits of an investment account with the access of a checking account. Plus, it's a smart way to save money while earning a very competitive interest rate. It's a great way to make the most of your investment!

Smart Checking*

Smart Savings*

Account

 Minimum Opening & Minimum Deposit to Earn APY

 Interest Rate

Annual Percentage Yield

 Smart Checking

$2,500

1.24%

1.25%

Smart Savings

$5,000

1.59%

1.60%

These are variable rate accounts and are subject to change quarterly. Fees may reduce earnings. If balance falls below required minimum opening balance, a monthly fee of $15.00 will be assessed to the account. There will be a $25.00 charge and loss of accrued interest for closing the account within 90 days of opening. Must open both accounts to earn stated annual percentage yield.

Money Market Account

...provides customers who want to earn a higher rate of interest but still need the flexibility to write a limited number of checks. They find our Money Market account a valuable investment tool.

 Account
**Money Market

 Interest Rate

Annual Percentage Yield

under $2,500.00

.50%

.50%

$2500.00 - $10,000.00

.60%

.60%

$10,000.01-$25,000.00

.70%

.70%

$25,000.01-$50,000.00

.75%

.75%

over $50,000.00

.80%

.80%

Federal Regulations on Certificates of Deposit may require an early withdrawal penalty.

*Rate may change for SMART, NOW, Plus and Money Market accounts after the accounts are opened and fees may reduce earnings

**Does not require a minimum deposit to earn the APY

 

Member FDIC