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Products and Services



Products and Rates
as of December 5, 2013


Annual Percentage Yield (APY) is listed for all interest bearing accounts.
All rates and product features are subject to change without notice.

Privacy Policy Notice

 




Transactional Accounts


FREEdom Personal Checking 1
  • $100 to open
  • No minimum balance
  • Unlimited check writing
  • No monthly maintenance fees
  • Free ATM/Debit card - no annual fee, no usage fee (ATM surcharges imposed by other ATM owners may apply)
  • Monthly imaged statement

Platinum NOW Checking 1,2,3
  • $100 to open
  • No monthly fee with $500 minimum average daily balance
  • Unlimited check writing
  • Free ATM/Debit card - no annual fee, no usage fee (ATM surcharges imposed by other ATM owners may apply)
  • APY of 0.10% (minimum daily balance requirement of $500 or more)
  • Monthly imaged statement
Golden Eagle NOW Checking 1,2
  • $100 to open
  • No minimum balance requirement
  • Unlimited check writing
  • No monthly maintenance fee
  • Other services at discounted prices
  • Free ATM/Debit card - no annual fee, no usage fee (ATM surcharges imposed by other ATM owners may apply)
  • APY of 0.10%
  • Account owner must be 55 yrs or older.
  • Monthly imaged statement

 
FREEdom Business Checking 1
  • $100 to open
  • No minimum balance requirement
  • Up to 500 debits and/or credits per month, with no monthly service charges
  • Monthly imaged statement

 
Platinum Money Market 1,2,3
  • $100 to open. $1,000 minimum average daily balance to avoid a fee and $1,000 minimum daily balance to obtain the APY
  • Monthly imaged statement
  • APY and interest rate of:
    $1,000 - $14,999 0.05%
    $15,000 - $49,999 0.20%
    $50,000 - $99,999 0.30%
    $100,000+ 0.40% (on whole balance)
 
Time Deposits


EagleSavers 1,2

Click For More Info


  • $1 to open
  • $1 minimum balance, no minimum balance service charge
  • Account owner must be age 17 or under with parent or guardian co-signer
  • Quarterly truncated statement
  • APY and interest rate of:
    $1 - $9,999 0.50%
    $10,000 + 0.10% (on balance over $10,000)

Statement Savings 1,2,3
  • $100 to open
  • $200 minimum average daily balance avoid a fee and $200 daily balance to obtain the APY
  • APY of 0.10%
  • Quarterly truncated statement



CD/IRA Rates
$1,000 minimum balance to open and obtain the APY - except for Education IRAs.($500 min.) Early withdrawal penalty: 30 days simple interest on the amount withdrawn for CD's of 12 months or less, 90 days simple interest on the amount withdrawn for CD's greater than 12 months term.

TERM
RELATIONSHIP BONUS APY
STANDARD APY
6 months
0.50% APY
0.25% APY
12 months
0.75% APY
0.50% APY
24 months
1.00% APY
0.75% APY
36 months
1.25% APY
1.00% APY
48 months
1.50% APY
1.25% APY
60 months
1.75% APY
1.50% APY
 
Add-On Special CDs 6,7
 
13 months
0.90% APY
0.80% APY
22 months
1.10% APY
1.00% APY

 

STEP 36 Month Special 1.20% APY 4,5
Interest rate of 1.00% APY for the first 12 months, then resets to 1.20% APY for the next 12 months and then resets to 1.40% APY for the last 12 months.

STEP 36 Month RELATIONSHIP BONUS Special 1.45% APY 4,5
Interest rate of 1.25% APY for the first 12 months, then resets to 1.45% APY for the next 12 months and then resets to 1.65% APY for the last 12 months.

RELATIONSHIP BONUS TERMS

  • The renewal term may be different from the original term.
  • The interest rate bonus above the current offered market rate is based on:
    • Average monthly statement balances in qualifying FREEdom Checking Account, Platinum NOW account or Platinum Money Market of $5,000 +. Qualification for a continued rate bonus will be determined three business days before each monthly cycle of your primary account and then applied the following business day. Monthly CD interest transfered to qualifying account. This requirement excluded for IRAs.
    • For more information, please speak with an account officer.
  • Annual Percentage Yield (APY) for a Relationship CD Account is effective as of 12-05-13 and is subject to change without notice. There is a $1,000 minimum opening account deposit and balance requirement. Interest is required to be transferred to the qualifying deposit account monthly. This requirement excluded for IRAs. A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account.

1Contact us for further information about applicable fees and terms.

2 Variable rate account, interest rates are determined at the bank's discretion and subject to change at any time.

3 Account with a minimum balance requirement will be assessed a fee of $10.00 if the balance in that account falls below the minimum balance.

4Early withdrawal penalty for Step 36 month Special CD/IRA is 180 days simple interest on the amount withdrawn.

5Variable rate account with two scheduled interest rate changes.

6Unlimited deposits can be made to the Add-On CDs .

7Add-On CDs automatically renew at a 12 month term.

 




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