Savings

Regular Savings Account Interest paid on daily available balance. Interest compounds quarterly. Interest rate varies & may change at the bank’s discretion resulting in change of the Annual Percentage Yield. Details: $100.00 minimum opening balance A $15.00 service fee will be charged if the account balance falls below $100 during a three month period Up to 6 withdrawals per quarter without a fee. A service charge of $1.00 will be charged for each additional withdrawal/transfer over six Interest begins accruing on the first business day we receive credit for the deposit of non-cash items (i.e. checks). See current rates Online Banking, Mobile Banking, and Image Statements available If account closes within 30 days of opening date, no interest will be paid and there will be a $10.00 early withdrawal charge

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Christmas Club The Christmas Club Account is a special way to save for the extra expenses during the holidays. The account can be opened at any time during the year, and checks are mailed during the first week of November. Interest paid on daily available balance. Interest paid annually on October 31st. Details: Interest rate varies & may change at the bank’s discretion resulting in change of Annual Percentage Yield. See current rates Interest begins accruing on the first business day we receive credit for the deposit of non-cash items (ie checks) Online Banking, Mobile Banking, and Image Statements available If account closes within 30 days of opening date, no interest will be paid and there will be a $10.00 early withdrawal charge Maximum Deposit per month: $500

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Health Savings Account Consumer savings for individuals covered by high deductible health insurance plans. Details: Allows tax deductible contributions and tax free distributions of basis earnings if used for qualified medical expenses No minimum balance required Interest begins accruing on the first business day we receive credit for the deposit of non-cash items (for example, checks)