Individual Retirement Account (IRA) Certificate of Deposit*
| Term | Interest Rate | Annual Percentage Yield (APY) | Minimum balance to open an account and obtain the APY |
|---|---|---|---|
Term 18 Month
Variable Rate IRA | Interest Rate 3.25% | Annual Percentage Yield (APY) 3.30% | Minimum balance to open an account and obtain the APY $100 |
Term 18 Month
Fixed Rate IRA | Interest Rate 3.25% | Annual Percentage Yield (APY) 3.30% | Minimum balance to open an account and obtain the APY $500 |
Term 36 Month
Fixed Rate IRA | Interest Rate 3.75% | Annual Percentage Yield (APY) 3.82% | Minimum balance to open an account and obtain the APY $500 |
*CD Rates effective as of 2/14/2025. Variable rate may change after account is opened. At maturity, the CD will automatically renew to the same term and the current rate in effect at the time of renewal. A penalty may be imposed for early withdrawal. Interest rate and APY subject to change without notice. Fees may reduce earnings on this account.
Certificate of Deposit Specials*
| Term | Interest Rate | Annual Percentage Yield (APY) | Minimum balance to open an account and obtain the APY | |
|---|---|---|---|---|
Term 4 Month Special | Interest Rate 4.02% | Annual Percentage Yield (APY) 4.10% | Minimum balance to open an account and obtain the APY $5,000 | Checking Account Required |
Term 9 Month Special | Interest Rate 4.16% | Annual Percentage Yield (APY) 4.25% | Minimum balance to open an account and obtain the APY $5,000 | Checking Account Required |
*CD Rates effective as of 2/14/2025. At maturity, the CD will automatically renew to the same term and the current non-special rate in effect at the time of renewal. A penalty may be imposed for early withdrawal. Interest rate and APY subject to change without notice. Fees may reduce earnings on this account.
Personal Banking Schedule of Fees
Personal Banking Schedule of Fees
| Account Closing Fee if closed within 90 days of opening the account | $25 |
| Account Confirmation / Verification (third party inquiries) | $10 |
| Back-up withholding remittance fee | $2 per month |
| Express Banking 24 Card / Visa Debit Card | |
| ATM / Debit Card Replacement Fee | $3 |
| Foreign ATM Withdrawal Fee | $2 |
| Surcharge For Non-Customers | $2 per w/d |
| Cashier Checks | |
| Customer | $6 |
| Chargebacks Per Item | $5 |
| Collections | |
| Domestic | $20 |
| Foreign | $25 |
| Counter Checks | $0.50 |
| Customer Account Balancing | Waive first time $10 per account |
| Deposit Corrections | $3 each |
| Dormant Account Fee | $3 per month |
| Escheat Fee Per Remittance | $10 per account |
| Foreign Currency Purchase | Current Exchange Rate |
| Gift Cards | $3.50 maximum $750 |
| Personal Online Banking Services | |
| Bill Payment | No Charge |
| Online Banking | No Charge |
| Non-Depositor Check Cashing Fee | |
| Tax/Rapid Refunds | $10 Or 2% Of Check |
| All Other Checks | $10 |
| Notary Fees (Non-Customers) | $5.00 |
| Overdraft/Return Item Fee | $35.00 (No fee will be assessed on ATM and debit card transactions) |
| For Non-Sufficient Funds Check Research | |
| Per Item | $1.50 front - $2 Front & Back |
| Per Hour | $25 |
| Copies Of Statement/Statement Printout | $3/Statement |
| Safe Deposit Box Rental (Per Year) | |
| 3x5x24 | |
| Customer | $37 |
| Non-Customer | $42 |
| 3x10x24 | |
| Customer | $42 |
| Non-Customer | $57 |
| 5x10x24 | |
| Customer | $52 |
| Non-Customer | $67 |
| 7x10x24 | |
| Customer | $62 |
| Non-Customer | $82 |
| Loss Of 1 Key | $40 |
| Loss Of 2 Keys | $75 |
| Special Handling | |
| Special Statement Cutoff | $20 |
| Statement Copy | $3 |
| Statement Print-out (2 free per month). | $1 |
| Check Images With Statement | $5 |
| Stop Payment | |
| In Branch | $32 |
| Online | $26 |
| Telephone Transfers | No Charge |
| Wire Transfer | |
| Domestic | |
| Incoming | $15 |
| Outgoing | $20 |
| International | |
| Incoming | $48 |
| Outgoing | $48 |
Business Banking Schedule of Fees
Business Banking Schedule of Fees
| Currency Deposited & Sold per $1000 | $1 |
| Coin Deposited & Sold Per Roll | $.10 |
| MSB Monthly Account Maintenance | $.10 |
| Night Depository Service (per drop) | $2 |
| Night Deposit Bag (with key) | $20 |
| Deposit Corrections | $3 |
| Returned Items | |
| Special Instructions (per account) | $10 |
| Charged Back To Account | $5 |
| Pick-Up Charge Backs | $5 |
| Returns Re-entered | $3 |
| Online Banking Business | |
| ACH Credit Or Debit Originated Per Item | $0.10 |
| Monthly File Fee | $30 |
| ACH Returned Item | $3 |
| Online Bill Payment | No Charge |
| Online Stop Payment | $26 |
| In-House Stop Payment | $32 |
| Security Tokens | 2 Users No Cost. Replacement/Additional Per Token Cost - $12 Each For Additional Users |
| Positive Pay | |
| Monthly Maintenance | $40 |
| Suspect Item (per item) | $0.10 |
| Remote Deposit Capture | |
| Scanner | Cost Varies |
| Sweep Accounts (per month) | $125 |
| Account Closing Fee If Closed Within 90 Days Of Account Opening | $25 |
| Account Confirmation/Verification (third party inquiries) | $10 |
| Back-up withholding remittance fee | $2 per month |
| Express Banking 24 Card / Visa Debit Card | |
| ATM / Debit Card Replacement Fee | $3 |
| Foreign ATM Withdrawal Fee | $2 |
| Surcharge For Non-Customers | $2 per w/d |
| Cashier Checks | |
| Customer | $6 |
| Chargebacks Per Item | $5 |
| Collections | |
| Domestic | $20 |
| Foreign | $25 |
| Counter Checks | $0.50 |
| Customer Account Balancing | Waive first time $10 per hour |
| Deposit Corrections | $3 |
| Dormant Account Fee | $3 |
| Escheat Fee Per Remittance | $10 |
| Foreign Currency Purchase | Current Exchange Rate |
| Gift Cards | $3.50 maximum $750 |
| Levy / Garnishment | $75 |
| Money Orders | |
| Customer | $3 |
| Notary Fees (Non-Customers) | $5.00 |
| Overdraft/Return Item Fee | $35.00 |
| For Non-Sufficient Funds Check Research | |
| Per Item | $1.50 front - $2 Front & Back |
| Per Hour | $25 |
| Statement Research Copy | $1 |
| Safe Deposit Box Rental (Per Year) | |
| 3x5x24 | |
| Customer | $37 |
| Non-Customer | $42 |
| 3x10x24 | |
| Customer | $42 |
| Non-Customer | $57 |
| 5x10x24 | |
| Customer | $52 |
| Non-Customer | $67 |
| 7x10x24 | |
| Customer | $62 |
| Non-Customer | $82 |
| Loss Of 1 Key | $40 |
| Loss Of 2 Keys | $75 |
| Late Fee After 60 Days | $10 |
| Late Fee After 90 Days | $15 |
| Statement | |
| Special Statement Cutoff | $20 |
| Statement Copy | $3 |
| Statement Print-out (2 free per month). | $1 |
| Stop Payment | |
| In Branch | $32 |
| Online | $26 |
| Telephone Transfers | No Charge |
| Wire Transfer | |
| Domestic | |
| Incoming | $15 |
| Outgoing | $20 |
| International | |
| Incoming | $48 |
| Outgoing | $48 |