Savings Accounts

• $25.00 opening balance required
• Three withdrawals per quarter; $2.00 service charge for each debit thereafter
• Interest rate varies according to market conditions
• If average balance of $1,000.00 is maintained per quarter, there is no service charge

- Certificates of Deposit

• Interest rates vary according to market conditions
• Several plans with the following maturities and minimum deposit requirements:

  91	DAYS	$2,500.00
  182	DAYS	$2,500.00
  1	YEAR	$500.00
  2	YEAR	$500.00
  18	MONTHS	$500.00
  3	YEAR	$100.00
  4	YEAR	$100.00
  5	YEAR	$100.00

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- Individual Retirement Accounts (IRA)

• Same maturities as Certificates of Deposit
• Minimum deposit requirement of $500.00
• Federal law requires a substantial interest penalty for early withdrawal of a CD or IRA

- Regular Money Market Investment Accounts

• $1,000.00 opening balance required
• If the average daily balance falls below $1,000.00, there is a maintenance fee of $5.00
• Interest rate drops to regular savings rate if the average daily balance falls below $1,000.00
• Six debits allowed per month - three by check, three by third party, $5.00 service charge for each debit over the limit of six per month
• Interest rate varies according to market conditions

- Ultimate Money Market Account

• $50,000.00 Minimum Opening Balance
• If average balance falls below $1,000.00, a $5.00 maintenance fee will apply and interest will be paid at regular savings rate
• Six debits allowed per month, three by check, three by third party.
• $5.00 service charge for each debit over six per month

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