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