Personal Savings & Interest-bearing Accounts

REGULAR SAVINGS

Minimum Opening Deposit $100.00
Min. balance required to avoid service charge/Basic fee $100.00
Service charge/Basic fee $2.00
Current Interest Rate Inquire at local branch
Annual Percentage Yield (APY) Inquire at local branch
Interest Computation Method Daily Balance*
Interest will be compounded Quarterly
Interest will be credited Quarterly
Interest will not be paid if balance falls below $1.01

On non-cash items interest will begin to accrue on business day of the deposit. If you close your account before interest is credited, you will not receive the accrued interest. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Statement Period: Quarterly
No more than six transfers and withdrawals or combination thereof per calendar month or statement cycle of at least four weeks may be made by P.O.S (Point-of-sale)., check, debit card, preauthorized or automatic transfer or similar order by the depositor payable to third parties.

Three free withdrawals per quarter. $1.00 charge per withdrawals over 3.

See Fee Schedule for additional charges that apply to this account

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

AMERICAN EAGLE SAVINGS

Minimum Opening Deposit $5,000.00
Minimum balance required to avoid $15.00 service charge/basic fee $5,000.00
Current Interest Rate Inquire at local branch
Annual Percentage Yield (APY) Inquire at local branch
Interest Computation Method Daily Balance*
Interest will be compounded Monthly
Interest will be credited Monthly
Interest will not be paid if balance falls below $5,000.00

On non-cash items interest will begin to accrue on business day of the deposit. If you close your account before interest is credited, you will not receive the accrued interest. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Statement Period: Monthly
No more than six transfers and withdrawals or combination thereof per calendar month or statement cycle of at least four weeks may be made by P.O.S (Point-of-sale)., check, debit card, preauthorized or automatic transfer or similar order by the depositor payable to third parties.

See Fee Schedule for additional charges that apply to this account

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

CHRISTMAS CLUB SAVINGS

Minimum Opening Deposit $2.00
Interest Computation Method Daily Balance*
Interest will be compounded At Maturity
Interest credited will not be paid if balance falls below $2.00

On non-cash items interest will begin to accrue on the Business day of deposit. If you close your account before interest is credited, you will not receive the accrued interest. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Club Savings close last Friday in October. Christmas Club Checks are mailed annually.

See Fee Schedule for additional charges that apply to this account.

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

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