-Your interest rate and annual percentage yield may change at our discretion  

   every quarter. 

-No minimum balance. 

-We use the daily balance method to calculate the interest on your account.   

   Interest will be compounded every day and interest will be credited to your  

   account every statement cycle. 

-Interest begins to accrue no later than the business day we receive credit  

   for the deposit of noncash items. 

-Transfers from a statement savings account to another account or to third  

   parties by telephone transfer, preauthorized transfer or automatic transfer,  

   are limited to six per month. 

-There is a charge of $1.00 per withdrawal at Automatic Teller Machines  

   (ATM) we do not own or operator. 

-Overdraft fee -  $25.00 per item 

 

If you use an Automated Teller Machine (ATM) not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).