• Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
• Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
• Minimum balance to open - You must deposit $5.00 to open this account.
• Minimum balance to avoid fees - A monthly maintenance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. The maintenance fee is waived for customers under 18, and 55 and over, or prearranged payroll savings plans.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations:
Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no more than three by debit card or similar order to third parties.

Fees:
A per service-chargeable debit fee of $.50 will be charged for each transaction in excess of the above limitations.

Transaction limitations:
Transfers from a Payday Banking Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no more than three by debit card or similar order to third parties.

Fees:
A per service-chargeable debit fee of $.50 will be charged for each transaction. in excess of the above limitations.

MONEY MARKET INVESTMENT ACCOUNT (MMIA)
Indexed, high yield, insured Money Market investing

• Rate Information - Your interest rate and annual percentage yield may change on the first business day of every month.
• Determination of rate - The interest rate on your account will be equal to the 90 day U.S. Treasury Bill discount rate as determined by the average of the last four auctions of the previous month on daily balances of $100,000.00 and over. The indexed rate is tiered for daily balances below $100,000.00.
• Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
• Minimum balance to open - You must deposit $2,500.00 to open this account.
• Minimum balance to avoid fees - A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations:
Transfers from a Money Market Investment account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.

Fees:
An excessive transaction fee of $3.00 will be charged for each transaction in excess of the above limitations.

SAVERS CLUB
Easy way to save for something special

• Rate Information - At our discretion, your interest rate and annual percentage yield may change at any time.
• Compounding and crediting frequency - Interest will be compounded and credited to your account every month.
• Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to open - You must deposit $2.00 to open this account.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations:
You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties.

• All deposits will be automatic transfers.