photoInterest Bearing Accounts

Now Accounts

Rate Information:  This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. 

Limitations: You must deposit $1,500.00 to open this account.

Account Fees: A minimum balance fee of $15.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Money Market Accounts

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. If your Account is a savings or money market account, federal law requires no more than 6 transfers and/or withdrawals during 4 weeks or similar period to another account of yours with us or to a third party by means of a preauthorized or automatic transfer or internet banking transfer or telephonic agreement or telephonic order or telephonic instruction.  Transfers and withdrawals made in person, by messenger, by mail or at the ATM are unlimited.

Account Fees: A minimum balance fee of $15.00 will be imposed each monthly statement cycle if the average daily balance falls below $2,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 

Savings Accounts

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account quarterly. 

Balance Information:  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $150.00 in the account each day to obtain the disclosed annual percentage yield. 

Limitations:  You must deposit $150.00 to open this account. If your Account is a savings or money market account, federal law requires no more than 6 transfers and/or withdrawals during 4 weeks or similar period to another account of yours with us or to a third party by means of a preauthorized or automatic transfer or internet banking transfer or telephonic agreement or telephonic order or telephonic instruction.  Transfers and withdrawals made in person, by messenger, by mail or at the ATM are unlimited.

Account Fees:  A minimum balance fee of $5.00 will be imposed each month if the average daily balance for the month falls below $150.00. NOT including automatic loan payment to your loan with us or automatic transfers to another account you have with us, a fee of  $1.00 per item will be charged after two withdrawals in a month and may be described as "excessive withdrawal charge",  "excess check charge", "excess ACH charge", "excess ATM charge" or "excess POS charge" on your statement.   You will receive a quarterly statement on your account. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 

Gold Star Interest Bearing

This account is available to our customer age 55 and over. 

This is an interest bearing account.

  • This account offers $20,000.00 accidental death and dismemberment insurance and $100,000.00 common carrier coverage. If a joint account is established, all coverages are divided equally.  Dependent child insurance coverage is provided in the amount of $1,500.00 for accidental death and dismemberment and there is no common carrier coverage.
  • This account allows you to write as many checks as you would like. The first box of stock checks are provided with this account. Upon request one box of stock checks is provided yearly at no charge.
  • An $18.00 annual discount on a Safe Deposit Box is provided to our Gold Star Account holders. (There is a refundable $10.00 key deposit required.)
  • You can get 2 monthly instant statements for your monthly fee.
  • Your monthly fee includes issue charges for 12 Cashiers' Checks and Money Orders annually.
  • Your monthly fee will allow you to wire transfer funds from your account to any place in the United States at no additional charge up to 12 wire transfers per year at no charge. 
  • The  Debit Card initial set up charge is waived as part of this club. 
  • Other benefits include prescription discounts, Identity Theft 911, Living Family Journal, shopping discounts, travel discounts, and entertainment discounts as described in the member benefits brochures.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of  $1,500.00 in the account each day to obtain the disclosed annual percentage yield. 

Limitations:  You must deposit $100.00 to open this account. 

Account Fees: A club account monthly fee of $5.00 will be charged on each statement cycle. A minimum balance fee of $15.00 will be imposed in addition to the Club fee each monthly statement cycle in which the average daily balance for the monthly statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 

Insurance Information: THE INSURANCE PRODUCT IS NOT A DEPOSIT ACCOUNT OR OTHER OBLIGATION OF ANY DEPOSITORY INSTITUTION OR ANY AFFILIATE OF ANY DEPOSITORY INSTITUTION. THE INSURANCE PRODUCT IS NOT GUARANTEED OR INSURED BY ANY DEPOSITORY INSTITUTION OR ANY AFFILIATE OF ANY DEPOSITORY INSTITUTION.  THE INSURANCE PRODUCT IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) OR BY ANY FEDERAL GOVERNMENT AGENCY.

Star Account Interest Bearing

This is an interest bearing account. 

  • This account offers $20,000.00 accidental death and dismemberment insurance and $100,000.00 common carrier coverage. If a joint account is established, all coverages are divided equally.  Dependent child insurance coverage is provided in the amount of $1,500.00 for accidental death and dismemberment and there is no common carrier coverage.
  • This account allows you to write as many checks as you would like. The first box of stock checks are provided with this account. Upon request one box of stock checks is provided yearly at no charge.
  • An $18.00 discount annually on a Safe Deposit Box is provided to our Star Account holders. (There is a refundable $10.00 key deposit required.)
  • You can get 2 monthly instant statements for your monthly fee.
  • Your monthly fee includes issue charges for 12 Cashiers' Checks and Money Orders annually.
  • Your monthly fee will allow you to wire transfer funds from your account to any place in the United States at no additional charge up to 12 wire transfers per year at no charge. 
  • The Debit Card initial set up charge is waived as part of this club.
  • Other benefits include prescription discounts, Identity Theft 911, Living Family Journal, shopping discounts, travel discounts, and entertainment discounts as described in the member benefits brochures.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of  $1,500.00 in the account each day to obtain the disclosed annual percentage yield. 

Limitations:  You must deposit $100.00 to open this account. 

Account Fees: A club account monthly fee of $9.00 will be charged on each statement cycle. A minimum balance fee of $15.00 will be imposed, in addition to the club fee, each monthly statement cycle in which the average daily balance for each monthly statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 

 Insurance Information: THE INSURANCE PRODUCT IS NOT A DEPOSIT ACCOUNT OR OTHER OBLIGATION OF ANY DEPOSITOR INSTITUTION OR ANY AFFILIATE OF ANY DEPOSITORY INSTITUTION. THE INSURANCE PRODUCT IS NOT GUARANTEED OR INSURED BY ANY DEPOSITORY INSTITUTION OR ANY AFFILIATE OF ANY DEPOSITORY INSTITUTION.  THE INSURANCE PRODUCT IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) OR BY ANY FEDERAL GOVERNMENT AGENCY.