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Truth In Savings

Statement Savings Account Truth in Savings Disclosure

Interest Rate Information

  • The interest rate and annual percentage yield may change at the Bank's discretion any time without notice. Click here for the current interest rate and annual percentage yield.

Compounding and Crediting of Interest

  • Interest is compounded daily and credited to your account every month.
  • If you close your account before interest is credited, you will receive the accrued interest.

Accrual of Interest on Noncash Deposits

  • Interest begins to accrue on the business day that you deposit noncash items (for example, checks).

Minimum Balance Requirements

  • You must deposit at least $50.00 to open this account.
  • A minimum balance fee of $3.00 will be imposed every month if the balance falls below $50.00 any day of the monthly statement cycle period.
  • You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Balance Computation Method

  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Transaction Limitations

  • You may only make 6 transfers from your account each month - 6 preauthorized withdrawals, automatic or telephone transfers, debit card or other similar transactions and online banking. 
  • You may make unlimited withdrawals or transfers in person, by mail or via ATM. 

Service Fees

The following fees may be assessed against your account:

Stop Payments (per item) $35.00
*Overdrafts (per item paid or returned) $40.00
Deposit Item Chargeback (per item) $15.00
Research (per hour/minimum $30) $30.00
Escheat Processing $100.00
Overdraft Protection Transfers (per occurrence) $10.00
Dormant Account (per month after two years for balance below $200) $5.00
Early Account Closure (within 180 days of opening) $30.00
Foreign ATM Cash Withdrawals     $2.00  
Excessive Transaction (per item after the first notification of an excessive transaction occurrence.)    $15.00  
Fees for statement savings packet including deposit and withdrawal slips are based on quantity ordered.  


* The overdraft fee applies to overdrafts created by in person withdrawal or electronic means as applicable. The fee is assessed on only the first six overdraft items per day.

Additional Account Information

  • Accounts at a zero balance for 45 days will be permanently closed.

Member FDIC