Christmas Club | New Tripoli Bank

Features

Christmas Clubs open in mid-October
The Club season lasts for 50 weeks
Save money for gifts, travel and to host Holiday parties
Club accounts earn a fixed rate of interest which is compounded daily on balances greater than $20.00

Current Rates

Effective Date: Monday, January 27, 2025

Savings & Money Market Accounts (Rate Table)
	Balance	Interest Rate	APY

Money Market	Below $1,000.00	0.84642%	0.85%

	$1,000.00 to $24,999.99	0.84642%	0.85%

	$25,000.00 to $99,999.99	0.84642%	0.85%

	$100,000.00 to $499,999.99	0.94553%	0.95%

	$500,000.00 to $999,999.99	1.68575%	1.70%

	$1,000,000.00 and over	1.78404%	1.80%

Statement Savings	$20.00 and over	0.84642%	0.85%
Christmas Club*	$20.00 and over	0.19980%	0.20%

Interest rate and APY may change daily after the account is opened. Fees could reduce earnings.

* Interest rate and APY are fixed for the club year.

Rate Information:

Rate Information: This is an interest bearing account. Please review our current rate schedule for interest rates and annual percentage yields.

Frequency of Rate Changes: The interest rate and annual percentage yield may change daily at the Bank's discretion.

Compounding and Crediting of Interest: Interest is compounded daily and credited every monthly statement cycle.

Minimum Balance Requirements: There is no minimum deposit to open an account. You must maintain a daily balance of $20.00 to obtain the disclosed annual percentage yield.

Balance Computation Method: We use the daily balance method to compute interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on Deposits: Interest begins to accrue on non-cash items (for example, checks) on the business day of deposit.

Withdrawal limitations: At any time we reserve the right to require not less than seven days notice in writing before any withdrawal from an interest bearing account.

Account Inactivity: An account is considered inactive/dormant if for 1 year there have been no transactions to the account. Account Inactivity Fee: $5.00 is charged per month if the balance is $100.00 or less.

Fees: Please refer to "View Fee Schedule" for additional information regarding applicable fees and charges.

Table - Fee Schedule (Rate Table)
Service	Fee
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 Card	at 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 Protection	Free Transfers
Photocopies	$0.50
Positive Pay	$50 per month per account
Remote Deposit Capture	$25.00 per month
Returned Check	$12.00
Safe Deposit Box	Price 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