PERSONAL SAVINGS

Monthly maintenance fee of $3

Minimum daily balance to avoid fee is $100

Interest compounded daily and credited quarterly

Maintenance fee waived for minors (up to age 18)

Excessive Activity Charge* is $5


PERSONAL MONEY MARKET

Monthly maintenance fee of $8

Avg. daily balance to avoid fee is $2,000

Interest compounded daily and credited quarterly

Free Online Banking

Excessive Activity Charge* is $10


PREMIUM PERSONAL MONEY MARKET

Monthly maintenance fee of $8

Avg. daily balance to avoid fee is $2,000

Interest compounded daily and credited quarterly

Free Online Banking

Excessive Activity Charge* is $10


CERTIFICATE OF DEPOSIT (CD)

$1,000 opening balance

Various Maturities Available

Interest compounded daily and credited monthly, quarterly, or at maturity

Interest may be reinvested, deposited to another account, or paid by check

Early withdrawal penalties apply

Automatic renewal available

INDIVIDUAL RETIREMENT ACCOUNT (IRA)

$1,000 opening balance

Various Maturities Available

Interest compounded, daily and credited monthly, quarterly, or at maturity


Early withdrawal penalties apply

Automatic renewal available



*Transfers or withdrawals from a savings or money market account to another account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party, are limited to six per calendar month. There is an Excessive Activity Charge for each withdrawal noted here in excess of six per calendar month.

**See Miscellaneous Services/Fees for Additional Information