Deposit Terms and Conditions

Checking

*The annual percentage yield (APY) is the effective annual rate of return taking into account the effect of compounding interest. 

Savings

*The annual percentage yield (APY) is the effective annual rate of return taking into account the effect of compounding interest. 

Money Market

*The annual percentage yield (APY) is the effective annual rate of return taking into account the effect of compounding interest. 

** All deposit accounts listed above are variable rate accounts. The interest rate and APY may change at any time. Interest credited and compounded monthly on all Checking and Money Market Accounts. Interest credited and compounded quarterly on all Passbook Accounts and Christmas Club Account. Fees charged could reduce earnings on your account.

Certificate of Deposit

*The annual percentage yield (APY) is the effective annual rate of return taking into account the effect of compounding interest. Annual percentage yield (APY) assumes interest remains on deposit. The APY will be less if interest is paid by check or credited to another account. 

A penalty may be imposed for withdrawals prior to maturity for Certificates of Deposit Only.

(A) Interest will be credited and compounded at maturity.

(B) Interest will be credited and compounded quarterly.

IRA

Individual Retirement Accounts have the same minimum balance as our Certificate of Deposits Accounts.

If you have any questions please feel free to contact us. Whatever you need, we’re here to make banking more efficient for you.