Deposit Rates

• Minimum balance to open: $50.00
  
• Monthly maintenance charge: No monthly maintenance charge unless noted below.
  
  • Prestige Interest Checking and Business Interest Checking accounts incur a maintenance charge of $8.00 if the balance falls below $1,500.00 on any day during the statement cycle. No maintenance charge will be assessed for these two accounts during the first 30 days after account opening.
    
  • Commercial Checking accounts incur a $15.00 monthly service charge each statement cycle, which is not waived in the first 30 days of account opening. In addition to the monthly service charge, $0.15 per transaction item will be assessed. These fees can be offset by a $0.30 per $100.00 earnings credit based on the average monthly balance. You will also receive a detailed analysis of your account each month.
    
• Other fees: Other fees such as overdraft fees and non-sufficient funds fees may apply. This includes the Completely Free Checking account. See the Bank’s fee schedule for more information.
  
• Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $1.00. Prestige Interest Checking has a second tier, which requires $1,500.00 to earn that interest rate. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.
  
• Bonus: You will receive a gift as advertised as a bonus when you open the account. This gift can be substituted by a gift of similar value at the Bank's discretion. In addition to the gift as advertised when you open the account, you can also receive, as a bonus, up to $10.00 when you present your debit card(s) and/or checks from your former financial institution. To earn this bonus, for consumer checking accounts, we will bonus a $2.00 credit to your new account for each pad of unused checks and each debit card up to a total of $10.00. To earn this bonus, for commercial checking accounts, we will bonus a $10.00 credit to your new account for any amount of unused checks or old debit cards presented for business accounts at a prior financial institution.  Free gift may be reported on a 1099-INT or 1099-MISC. 

• Minimum balance to open:  $10.00
  
• Monthly maintenance charge: A maintenance charge of $5.00 is incurred if the balance falls below $100.00 on any day during the statement cycle. No maintenance charge will be assessed for these accounts during the first 30 days after account opening. The maintenance charge can be avoided if you are under 24 years old or those 50 years or older. It is your responsibility to inform us if you meet these criteria.  
  
• Other fees: Other fees such as overdraft fees and non-sufficient funds fees, etc. may apply. See the Bank’s fee schedule for more information.
  
• Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $10.00 for passbook accounts and $100.00 for Christmas Club accounts. Any fees may reduce earnings. Interest is compounded quarterly. Rates are accurate as of today.
  
• Accounts with balances below $10.00 are subject to closure.
  
• Christmas Club only: You may make an unlimited amount of deposits. However, if any withdrawal is made from the account before maturity (every October), the account will be closed and you will receive unpaid accrued interest. Your account will mature each October and a check will be mailed to you. This account will automatically renew at maturity provided that you make additional deposits after maturity. Current year Christmas Clubs are not opened after January 31st.

• Minimum balance to open: $0.00
  
• Monthly maintenance charge: A maintenance charge of $3.00 is incurred each month.
  
• Other fees: Other fees such as overdraft fees and non-sufficient funds fees, etc. may apply. See the Bank’s fee schedule for more information. There is a one-time fee of $5.00 per debit card issued.
  
• Interest bearing account details: Variable rate – rate may change after account is opened. Minimum balance to earn interest is $0.00. Any fees may reduce earnings. Interest is compounded monthly. Rates are accurate as of today.
  
• To be eligible for a Health Saving Account, you must have coverage under a high deductible health plan (HDHP) that is compatible with an HSA. Contributions to your HSA can be made by you, your employer, or both. However, the total contributions are limited annually. Contributions to the account must stop once you are enrolled in Medicare. However, you can keep the money in your account and use it to pay for medical expenses.

Money Market Accounts