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Savings & CDs

You've made the decision to start saving; now find the account that's right for you. Build your savings with an account that has a high rate of return with no minimum balance, or select a money market account with check-writing access. Choose your account and start collecting interest while you save.

Find the savings account that works for you. 

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REALSaver®
*Rates may change after the account is opened. Minimum to open REWARDChecking® account is $10 and $10 for REALSaver®. REWARDChecking® rate tiers are as follows: Tier 1 applies to balances of $.01 - $10,000 and Tier 2 applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. Base Rate applies to all balances if qualifications are not met. All balances will earn Tier 1 and 2 rates if qualifications are met. The APY disclosed assumes that REWARDChecking® interest is not compounded when linked to REALSaver®, because the interest is automatically transferred to the REALSaver® account at the end of the monthly qualification cycle. The interest from the REWARDChecking® account transfers to the REALSaver® account, whether the qualifications are met or not.
Qualifying transactions must post and clear to the REWARDChecking® account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. REALSaver® rate tiers are as follows: Tier 1 applies to balances of $0.01 - $50,000 and Tier 2 applies to balances over $50,000 if qualifications are met during the monthly qualification cycle on the REWARDChecking® account. The Base Rate applies to all balances if qualifications are not met on the REWARDChecking®. All balances will earn Tier 1 and 2 rates if qualifications are met on the REWARDChecking®. Fees may reduce earnings.
**ATM Fee reimbursements (REWARDChecking® account only) up to $15 per month and $5 per item provided only if qualifications are met within the monthly qualification cycle.

Statement Savings Account
Minimum balance to open the account is $10.00.
*Minimum balance to avoid fees – A fixed charge of $3.00 will be applied every statement cycle if the balance in this account falls below $100.00 any day of
the cycle.
**Minimum balance to obtain the Annual Percentage Yield disclosed –You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed Annual Percentage Yield.
***Transaction limitations – Transfers from any savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than six by check, draft, debit card, or similar order to third parties. $10.00 Regulation D Violation fee applies to applicable transactions greater than six per statement cycle.

Certificates of Deposit
Fixed Rate Certificates
Rates – The interest rate is fixed at account opening; your account will pay this rate until maturity.
Variable Rate Certificates
Rates – Your interest rate and Annual Percentage Yield may change.
Frequency of Rate Changes – We may change the interest rate on your account at any time.
Determination of Rate – At our discretion, we may change the interest rate on your account.
Compounding Frequency Interest will be compounded every month.
Crediting Frequency Interest will be 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 the account is $500.00 for the fixed rate IRA certificate. For all other certificates, the minimum is $100.
Minimum balance to obtain the Annual Percentage Yield disclosed – You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed Annual Percentage Yield.
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 non-cash deposits – Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Transaction limitations – You may not deposit to your account before maturity. You may withdraw principal before maturity if we agree at the time you request the withdrawal. You may withdraw interest credited in the term before maturity of that term without penalty. You may withdraw interest any time during the term after it is credited to your account.
Early withdrawal penalties – A penalty may be imposed for withdrawals before maturity.
For this account the penalty will equal up to 6 months loss of interest on the amount withdrawn subject to penalty. There are certain circumstances, such
as the death or incompetence of an owner, where we will waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax- qualified plan.
Withdrawal of interest prior to maturity – The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically renewable time account – This account will automatically renew at maturity for the original term. You may prevent renewal if you withdraw the funds in the account at maturity or we receive written notice from you within ten calendar days after maturity. We can prevent renewal if we mail notice to you at least 15 days before maturity. The interest rate will be the same we offer on new deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

Individual Retirement Account (IRA)
*Consult your tax advisor to find out if your contributions, earnings or distributions are eligible for tax deductions and/or deferral.

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