Rates & Fees
Investment Rates*
| Certificates of Deposit |
| Term |
Rate |
APY |
Minimum Deposit |
| 3 Month |
.15% |
.15% |
$500.00 |
| 6 Month |
.15% |
.15% |
$500.00 |
| 1 Year |
.30% |
.30% |
$500.00 |
| 1 ½ Year |
.30% |
.30% |
$500.00 |
| 2 Year |
.30% |
.30% |
$500.00 |
| 2 ½ Year |
.30% |
.30% |
$500.00 |
| 3 Year |
.40% |
.40% |
$500.00 |
| 4 Year |
.45% |
.45% |
$500.00 |
| 5 Year |
.55% |
.55% |
$500.00 |
|
Penalties for early redemption:
3 months 6 months, 1 year - 30 days interest penalty. 1.5 years and over - 90 days interest penalty.
|
| Savings Accounts |
| Term |
Rate |
APY |
Minimum Deposit |
| Christmas Club (Coupon Book) |
.05% |
.05% |
$5.00 |
| Christmas Club (Auto Transfer) |
.05% |
.05% |
$5.00 |
| Passbook Savings Account |
.15% |
.15% |
$100.00 |
| Statement Savings Account |
.15% |
.15% |
$100.00 |
| Checking Accounts |
| Term |
Rate |
APY |
Minimum Deposit |
| "NOW" Checking |
.05% |
.05% |
$500.00 |
*Disclaimer: The above rates are subject to change without notice. For up to date rates, please contact your local branch.
Service Charges/Fees
| Product/Service Type |
Fee |
| Visa Gift Card |
$2.50/Per Card |
| ATM (Foreign) |
$3.00/Per Transaction |
| ATM (On-Us) |
N/C |
| Debit Card Dispute Fee |
$20.00 |
| Non-Bank Balance Inquiry & Transfer of Funds |
$2.00 |
| International Transaction Fees |
1% of Transaction |
| Replacement Debit Card |
$10.00 |
| Replacement Debit Card - Overnight Rush |
$50.00 |
| Cashier's Check |
$8.00 |
| Money Order |
$4.00 |
| Notary (Customers Only) |
N/C |
| Signature Guarantee |
$15.00 |
| Stop Payment |
$35.00 |
| Garnishment/Levies |
$150.00 |
| Account Research |
$20.00/Per Hour |
Overdraft Item Fee
(imposed on overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means) |
$35.00 |
| Daily Check Overdraft Fee Cap |
$210.00 |
Return Item Fee
(imposed when checks and items presented by electronic means are returned unpaid) |
$35.00 |
| Uncollected Funds per item |
$10.00 |
| Deposit Item Return |
$15.00 |
| Photocopies |
$1.00 |
| Copy of Statement without checks (Per Statement) |
$2.00 |
| Copy of Statement with checks (Per Statement) |
$4.00 |
| Repeat Balance - Phone Calls |
$2.00 |
| Close Christmas/All Purpose Club |
$5.00 |
| Lost Coupon Book |
$5.00 |
| Lost Passbook |
$10.00 |
| Night Drop Lock Bags |
$25.00 |
| NNB White Zipper Bags |
$5.00 |
| Domestic Incoming Wire Transfer |
$15.00 |
| Domestic Outgoing Wire Transfer |
$25.00 |
| International Incoming Wire Transfer |
$20.00 |
| International Outgoing Wire Transfer |
$50.00 |
| Safe Deposit Box 10x10 |
$120.00/Per Year +Tax |
| Safe Deposit Box 2x5 |
$30.00/Per Year +Tax |
| Safe Deposit Box 3x10 |
$55.00/Per Year +Tax |
| Safe Deposit Box 3x5 |
$40.00/Per Year +Tax |
| Safe Deposit Box 5x10 |
$65.00/Per Year +Tax |
| Safe Deposit Box 5x5 |
$45.00/Per Year +Tax |
| Safe Deposit Box Drilling |
$150.00 |
| Replace Lost Safe Deposit Box Key |
$20.00 |
| Monthly account analysis fee (per account) (MSB's) |
$200.00 |
| New account application review (MSB's) |
$100.00 |
| Annual documentation review fee (MSB's) |
$100.00 |
| Escheatment Fee |
$50.00 |
| Dormant Account Fee for Balances Under $1,000.00 (365 Days No Activity) |
$5.00 |
| Undeliverable Statement Fee |
$5.00 |
| Canadian Check Processing Fee |
$20.00 |
| Temporary Checks (5 Checks) |
$1.50 |
| Collection Fee |
$20.00 |
| International Currency Order |
$20.00 |
| IRA Withdrawal Before Maturity |
$25.00 |
| IRA Transfer Fee |
$25.00 |