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Savings & Investments

REGULAR SAVINGS ACCOUNT

  • Interest: refer to our rate sheet for interest. Interest subject to change at any time. Interest will be compounded quarterly and credited to customer’s account every quarter. If account is closed before interest is credited, accrued interest is forfeited.
  • Restricted transactions – transfers from this account to another or to third parties by pre-authorized, automatic, or telephone transfers are limited to 6 per statement cycle. (a $1.00 charge will be assessed for each debit transaction in excess of 3 per month.)
  • Unrestricted transactions – an unlimited number of withdrawals or transfers may be made by mail or telephone (when the check is mailed to the depositor) or when made in person, by messenger or through an ATM. Also, an unlimited number of transfers may be made to repay loans and associated expenses at the same institution.
  • Fees: a service charge fee of $2.00 will be imposed every month if account balance falls below $100 any day of the month.
  • Statements are mailed monthly if the account has any EFTs; otherwise, statements are mailed quarterly.
  • $100 minimum opening and re-opening deposit.

MONEY MARKET ACCOUNT

  • $1,000 minimum balance requirement ($12 charge will be imposed if balance falls below $1,000 any day during the month.)
  • Tiered interest rates based on balance:
    1. $1000-$9,999
    2. 10,000-$24,999
    3. $25,000 & over
  • Refer to our rate sheet for interest. Interest subject to change at any time.
  • Interest will be compounded monthly and credited to customer’s account every month. If account is closed before interest is credited, accrued interest is forfeited.
  • Restricted transactions – transfers from this account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to 6 per statement cycle. (a $1.00 charge will be assessed for each debit transaction in excess of 6 during the statement cycle.)
  • Unrestricted transactions – an unlimited number of withdrawals or transfers may be made by mail or telephone (when the check is mailed to the depositor) or when made in person, by messenger or through an ATM. Also, and unlimited number of transfers may be made to repay loans and associated expenses at the same bank.
  • This account is not eligible for automatic overdraft privileges.
  • Corporations, partnerships and sole proprietorships are eligible for this account.

CERTIFICATES OF DEPOSIT

  • Certificates are purchased for a specific amount, term and rate.
  • Terms available range from 31 days to 60 months.
  • Interest rate determined by term.
  • Interest can be added to the value of the certificate; credited to a checking or savings account or paid by check.
  • Substantial penalty for withdrawal before maturity.

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SUPER UNION ACCOUNT

  • $750 minimum balance requirement ($7.50 charge will be imposed if balance falls below any day during the cycle).
  • $500 automatic overdraft privilege.
  • Unlimited check writing.
  • Refer to your weekly rate sheet for interest. Interest subject to change at any time. Interest will be compounded monthly and credited to customer’s account every month. If account is closed before interest is credited, accrued interest is forfeited.
  • Sole proprietors are eligible for this account; corporations and partnerships are not.
  • Receive imaged monthly statement.

with no more than 3 by check, draft or similar order to third parties. Simply stated̃ 3 inside transactions, 3 outside transactions.

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