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
|