Savings

 Individual Savings

• Minimum balance to open is $100.00
• A minimum balance fee of $3.00 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $100.00
• Unlimited number of deposits
• Interest will be compounded quarterly
• Interest will be credited into this account quarterly
• If you close your account before the interest is credited, you will not receive the accrued interest
• We impose an excess withdrawal fee of $3.00 per item beginning with the second withdrawal per month

During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.