Features

  • Minimum deposit of $500.00.
  • Automatically renewable.
  • Fixed interest for the term of the account.
  • Interest compounded on a daily basis and credited to your account either monthly or annually and at maturity.

IRA & CDs

Effective Date: Monday, March 31, 2025

IRA & CDs
Interest Rate

Annual Percentage Yield
(APY)

91 days*4.12%4.20%
182 days*3.65%3.72%
7 months*4.02%4.10%
12 months*1.51%1.52%
30 months*2.96%3.00%
18 months*3.01%3.06%
24 months*2.96%3.00%
36 months*2.96%3.00%
48 months*2.47%2.50%
60 months*2.47%2.50%

Effective Date: Monday, March 31, 2025

Table - Fee Schedule (Rate Table)
ServiceFee
Account Inactivity$5.00
Account Maintenance$10.00
Account Reconciliation*$10.00 per hour (no charge in case of bank error)
Account Research$10.00 per hour
ATM/Debit Card Replacement$10.00
Bulk Coin Order$15.00 per order
Cashier$5.00
Certified Check$10.00
Check Collection$5.00
Check Printing Charge

fee depends on style of checks ordered

Copy of an Item$3.00
Escheatment$50.00 per account
Expediated Debit Cardat cost
Foreign Currency Processing$15.00 per currency type per order
Garnishment/Levy$100.00
HH Bond Redemption$25.00 per transaction
Insufficient Funds$30.00 per presentment
International Check Processing$5.00 per check
Money Orders$5.00 (up to $500)
Official Check$5.00
Overdraft Privilege†$30.00 per presentment
Overdraft ProtectionFree Transfers
Photocopies$0.50
Positive Pay$50 per month per account
Remote Deposit Capture$25.00 per month
Returned Check$12.00
Safe Deposit BoxPrice varies based on size of box
Safe Deposit Box Drill Lock$175.00
Safe Deposit Box Lost Key$20.00 per key
Stop Payment$25.00
Stop Payment Renewal$25.00
Temporary Checks$1.00 per sheet
Uncollected Funds Charge$10.00
Undeliverable Mail$5.00 per piece
Wire Transfer (domestic outgoing)$20.00
Wire Transfer (foreign outgoing)$40.00
Wire Transfer (incoming)$10.00