APY= Annual Percentage Yield. Rates effective . Rates, terms and conditions are subject to change without notice. Please call to verify current rates. Fees charged could reduce earnings. Rates may change after accounts are opened (does not include certificates). A penalty will be imposed for early withdrawal on certificates.

Regular Share
Dividends are earned based on the daily balance computation on accounts with a balance of $100 or greater.  All dividends are paid monthly. 

Share Draft Checking
You must maintain a balance of $100 or more to avoid the $8.00 service fee. The dividend rate reflected will be paid on the daily balance in your account.

Travel & Christmas Clubs
Travel - You will earn the stated rate for each day your account maintains a balance of $5.00 or greater. The dividend rate reflected will be paid on the daily balance in your account.

Christmas - You will earn the stated rate for each day your account maintains a balance of $5.00 or greater. The dividend rate reflected will be paid on the daily balance in your account.