Loan Rates Savings and Checking Accounts Certificate Rates
| CERTIFICATE RATES | |||
| Account Type | Term | APR | APY* |
| Share Certificate | 6 months | 0.55% | 0.55% |
| Share Certificate | 12 months | 1.10% | 1.20% |
| Share Certificate | 18 months | 1.49% | 1.50% |
| Share Certificate | 24 months | 1.98% | 2.00% |
| Share Certificate | 36 months | 2.23% | 2.25% |
| Share Certificate | 48 months | 2.33% | 2.35% |
| Share Certificate | 60 months | 2.48% | 2.50% |
| IRA Share Certificate | 60 months | 2.48% | 2.50% |
| IRA Share Certificate | 18 months | 1.49% | 1.50% |
| *APY=Annual Percentage Yield | |||
| A penalty may be imposed for early withdrawal | |||
ATM/Debit Card |
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| ATM/Debit Card Issue | Free | |
| Transaction (Cash Corner) | Free | |
| Transaction (Non-Cash Corner) | $2.50 | |
| Replacement Card | $5.00 | |
| Overdraft Fee | $27.00 | |
Account Fees |
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| Monthly Fee | Free | |
| Overdraft Fee | $27.00 | |
| Courtesy Pay Overdraft Fee | $27.00 | |
| Account Research (per hour) | $20.00 | |
| Copy of Checks/Drafts | $5.00 | |
| Account History/Statements | $5.00 | |
| Account History Faxed/Mailed | $7.00 | |
| Stop Payment on Drafts | $27.00 | |
| Stop Payment on ACH | $27.00 | |
| Temporary Checks (per 10) | $5.00 | |
| Bill Payment | Free | |
Other Service Fees |
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| Virtual Branch | Free | |
| Mobility Banking | Free | |
| Direct Deposit | Free | |
| Payroll Deduction | Free | |
| Notary Service | Free | |
| Cashiers Checks | $3.00 | |
| Money Orders | $2.00 | |
| Travel/Gift Cards | $3.00 | |
| Wire Transfers | $20.00 | |
| Collection Items | $35.00 | |
| Garnishment/Levies | $35.00 | |
| Return Deposit Items | $5.00 | |
| Fax Payoff Request | $25.00 | |
| Copy Service (per page) | $0.25 | |
| Fax Service (per call) | $1.00 | |
| Amortization Schedule for | ||
| Other Institutions Loan | $5.00 | |
| Check Cashing Fee | 1%/Min $5.00 | |
| Incorrect Address | $10.00 | |
| Inactivity - 12 months | $10.00 | |
Choice Savings |
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| Below $500 Minimum Balance | $5.00 | |
Effective 1-1-2016 |
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