• $25,000 minimum balance. A $20 monthly fee will apply for balances below $25,000.
• Interest is earned on balances over $25,000.
• Easy access to your money with check writing ability. (Money Market transaction limitations apply.)
• Free online banking.
• FDIC Insured.

Certificates of Deposit
With a Certificate of Deposit (CD), you get a higher rate of return on your investment because your deposit is invested for a fixed period of time. We offer a wide range of CDs, with flexible terms from 30 days to 5 years. CDs only require a $2500 minimum deposit to open. You may withdraw interest earned during the current term, or withdraw the entire amount at the end of the term. You have a seven-day grace period that begins on the maturity date. A penalty will be imposed for early withdrawal. Please speak to a customer service representative at your local branch for more details.

* Money Market Disclosures: Annual Percentage Yield in effect as of April 10, 2008 and is subject to change without notice. Balances over $250,000 earn 2.50% APY and balances from $25,000 up to $250,000 earn 2.0% APY. Balances below $25,000 earn no interest and incur a monthly fee of $20. Transaction limitations apply, see account disclosures for details. Member FDIC.