Features

  • Tiered rates allow you to earn more as you save more
  • Immediate access to your funds with no penalties for withdrawal
  • Unlimited number of deposits
  • Unlimited withdrawals and transfers in person, by mail, or by ATM
  • Money Market rate earned with a $1,000.00 balance (personal statement savings rate earned if balance falls below $1,000.00)
  • Interest compounded daily and credited monthly
  • $5.00 monthly fee if balance falls below $1,000.00
  • Foreign ATM surcharge reimbursements up to $7.00 per month

Current Rates

Effective Date: Tuesday, January 21, 2025

Savings & Money Market Accounts (Rate Table)
BalanceInterest RateAPY
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%
$20.00 and over
0.84642%
0.85%

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 a tiered interest rate 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: The minimum deposit to open an account is $1,000.00. You must maintain a daily balance of $1,000.00 to obtain the disclosed annual percentage yield. If the daily balance falls below $1,000.00, the account will earn the annual percentage yield we offer on Statement Savings Accounts.

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.

Avoidance of Fees: Your account will be charged a monthly maintenance service charge of $5.00 if your average daily balance is less than $1,000.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

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)
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