|
|
Checking
...it's easy and yes , its free!
- Requires $50 to open account
- Unlimited Check Writing
- No monthly service charge
- No minimum daily balance requirement
- A monthly statement, including your canceled checks, is provided
- ATM/Check card available
Now Checking
....pays you a competitive interest rate on your balance while providing all the benefits of a regular checking account.
- Requires $1000 to open account
- Unlimited check writing
- No service charge if minimum daily balance of $1,000 is maintained, $.20 per item if not.
- A monthly statement, including your canceled checks, is provided
- ATM/Check card available
|
Account |
Interest Rate |
Annual Percentage Yield |
|
**NOW Checking |
.50% |
.50% |
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.
- Requires $1,000 to open account
- Unlimited Check Writing
- Interest if average balance is at or above $2,500
- ATM/check card available
- A monthly statement, including your canceled checks, is provided
|
Account |
Interest Rate |
Annual Percentage Yield |
|
$2,500.00 - $10,000 |
.50% |
.50% |
|
$10,000.00 – 25,000 |
.55% |
.55% |
|
Over $25,000.00 |
.60% |
.60% |
...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*
- Requires $2,500 to open
- Unlimited check writing
- ATM/Check Card Available
- Statements mailed monthly
- 50 free customized checks
Smart Savings*
- Requires $5,000 to open
- 5 withdrawals per month allowed, $15.00 per withdrawal over 5
- Statements mailed monthly
|
Account |
Minimum Opening & Minimum Deposit to Earn APY |
Interest Rate |
Annual Percentage Yield |
|
Smart Checking |
$2,500 |
1.59% |
1.60% |
|
Smart Savings |
$5,000 |
1.89% |
1.90% |
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.
- Requires $2,500 to open account
- A monthly statement, including your cancelled checks, is provided
- No service charge if daily balance of $2,500 is maintained
|
Account |
Interest Rate |
Annual Percentage Yield |
|
under $2,500.00 |
.60% |
.60% |
|
$2500.00 - $10,000.00 |
.70% |
.70% |
|
$10,000.01-$25,000.00 |
.80% |
.80% |
|
$25,000.01-$50,000.00 |
.90% |
.90% |
|
over $50,000.00 |
1.00% |
1.00% |
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