Fees and Rates 

Fees

Safety Deposit Boxes

Available Boxes:

  • 3 X 5: $20
  • 3 X 10: $40
  • 5 X 10: $50
  • 10 X 10: $100

Night Deposit Bags

Available for $30 per bag and $2 per key.

Stop Payments

Available at $28 per item.

Non-Sufficient Funds (NSF)

$28 per item.

Wire Transfers

Domestic

Incoming - $5

Outgoing - $15

International

Outgoing - $50

Rates

Rates effective Aug 11, 2019.

Product

Minimum Required Opening Deposit

Minimum Balance to Obtain APY*

APY*

Checking

Hometown Advantage Nowb

$100.00

$500.00c

0.10%

Hometown Tradition Nowb

$100.00

$500.00c

0.10%

Prime Time NOWb

$100.00

$500.00c

0.10%

Non-Personal NOWb

$100.00

$500.00c

0.10%

Public Body NOWb

$100.00

$1,000.00c

0.10%

*APY=Annual Percentage Yield
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of principal in the account each day.

Product

Minimum Required Opening Deposit

Minimum Balance to Obtain APY*

APY*

Savings

Regular Savingsb

$100.00

$10.00c

0.15%

Christmas Club Savingsb

$2.00

$2.00c

0.15%

Personal MMDAb

$1,000.00

$1,000.00 - $2,499.99c

0.10%

$2,500.00 - $49,999.99c

0.10%

$50,000.00 - $99,999.99c

0.10%

$100,000.00 - $249,999.99c

0.15%

$250,000.00 and upc

0.20%

Commercial MMDAb

$1,000.00

$1,000.00 - $2,499.99c

0.10%

$2,500.00 - $49,999.99c

0.10%

$50,000.00 - $99,999.99c

0.15%

$100,000.00 - $249,999.99c

0.20%

$250,000.00 and upc

0.25%

Public Body MMDAb

$1,000.00

$1,000.00 - $2,499.99c

0.05%

$2,500.00 - $49,999.99c

0.10%

$50,000.00 - $99,999.99c

0.10%

$100,000.00 - $249,999.99c

0.10%

$250,000.00 and upc

0.10%

*APY=Annual Percentage Yield
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of principal in the account each day.

Product

Minimum Required Opening Deposit

Minimum Balance to Obtain APY*

Interest Rate

APY*

Certificates of Deposit

30 - 89 Day Certificate of Deposita

$1,000.00c

$1,000.00 - $49,999.99

0.10%

0.10%

$50,000.00 - $99,999.99

0.10%

0.10%

$100,000.00 - $249,999.99

0.10%

0.10%

$250,000.00 and up

0.10%

0.10%

90 - 179 Day Certificate of Deposita

$1,000.00c

$1,000.00 - $49,999.99

0.20%

0.20%

$50,000.00 - $99,999.99

0.20%

0.20%

$100,000.00 - $249,999.99

0.20%

0.20%

$250,000.00 and up

0.20%

0.20%

180 - 364 Day Certificate of Deposita

$1,000.00c

$1,000.00 - $49,999.99

0.20%

0.20%

$50,000.00 - $99,999.99

0.20%

0.20%

$100,000.00 - $249,999.99

0.25%

0.25%

$250,000.00 and up

0.25%

0.25%

Certificate of Deposit of One Year Up To Two Yearsa

$1,000.00c

$1,000.00 - $49,999.99

0.25%

0.25%

$50,000.00 - $99,999.99

0.25%

0.25%

$100,000.00 - $249,999.99

0.30%

0.30%

$250,000.00 and up

0.30%

0.30%

Certificate of Deposit of Two Years Up To Three Yearsa

$1,000.00c

$1,000.00 - $49,999.99

0.60%

0.60%

$50,000.00 - $99,999.99

0.65%

0.65%

$100,000.00 - $249,999.99

0.65%

0.65%

$250,000.00 and up

0.75%

0.75%

Certificate of Deposit of Three Years Up To Four Yearsa

$1,000.00c

 

$1,000.00 - $49,999.99

0.70%

0.70%

$50,000.00 - $99,999.99

0.75%

0.75%

$100,000.00 - $249,999.99

0.85%

0.85%

$250,000.00 and up

0.90%

0.90%

Certificate of Deposit of Four Years Up To Five Yearsa

$1,000.00c

$1,000.00 - $49,999.99

1.10%

1.10%

$50,000.00 - $99,999.99

1.10%

1.10%

$100,000.00 - $249,999.99

1.10%

1.10%

$250,000.00 and up

1.20%

1.20%

Certificate of Deposit of Five Yearsa

$1,000.00c

$1,000.00 - $49,999.99

1.40%

1.41%

$50,000.00 - $99,999.99

1.44%

1.45%

$100,000.00 - $249,999.99

1.44%

1.45%

$250,000.00 and up

1.49%

1.50%

IRA 12 Month Fixeda

$1,000.00c

$1,000.00

0.30%

0.30%

IRA 18 Month Variablea,b

$100.00c

$100.00

0.48%

0.48%

IRA 30 Month Fixeda

$1,000.00c

$1,000.00

0.70%

0.70%

*APY=Annual Percentage Yield
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of principal in the account each day.

 

 

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Important Info

Routing Number: 065400483

Contact our Main Office at 985-384-2100