Rate Information:  This account is an interest bearing account.  The interest rate and annual percentage yield are included in the rate chart.  The interest rate and percentage yield may change.  At our discretion, we may change the interest rate on the account at any time.  Interest begins to accrue on the business day you deposit noncash items (example:  checks).  Interest will be credited to the account quarterly.  If you close the account before interest is credited, you will not receive the accrued interest.

Account Fee:  Each month, you will be assessed a charge of $1.25.  You may avoid this fee if your minimum daily balance during the month is $100.00 or greater.

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

Limitations:  You must deposit $100.00 to open this account.  Three withdrawals per quarter are allowed at no charge.  Additional withdrawals cost $1.00 per withdrawal.