Truth In Savings Disclosure

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Minimum Balance Requirements: You must deposit $25.00 to open this account.
Fees and Charges: There are no monthly service fees on this account. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: No transaction limitations apply to this account.

Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account at any time.
Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements: You must deposit $100.00 to open this account. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.
Accrual on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees and Charges: When a minimum daily balance of $100.00 is maintained there is no service fee. If the minimum balance is less than $100.00 any day of the statement cycle the monthly service fee is $8.00. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: No transaction limitations apply to this account.

Rate Information: Your interest rate and annual percentage yield may change. We may change the interest rate on your account at any time.
Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements: You must deposit $100.00 to open this account. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.
Accrual on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees and Charges: There is a monthly service fee of $7.00. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: No transaction limitations apply to this account.

Eligibility Requirements: You must be age 50 or over. Direct deposit of Social Security, payroll or pension income required.
Minimum Balance Requirements: You must deposit $100.00 to open this account.
Fees and Charges: There are no monthly service fees on this account. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: No transaction limitations apply to this account.

Eligibility Requirements: You must be age 50 or over. You must maintain combined balances in deposit and/or loan accounts of $2,500.00 or more.
Tiered Fixed Rate Information:

You will be paid this rate for each day until a rate change is made by the financial institution.
Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements: You must deposit $100.00 to open this account. A minimum balance fee of $7.50 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $100.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.
Accrual on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees and Charges: If an average daily balance of $100.00 is maintained there is no service fee. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. If your average daily balance is less than $100.00 per statement cycle, there is a minimum balance fee of $7.50. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: No transaction limitations apply to this account.

Eligibility Requirements: You must be age 50 or over. You must maintain combined balances in deposit and/or loan accounts of $50,000.00 or more.
Tiered Fixed Rate Information:

You will be paid this rate for each day until a rate change is made by the financial institution.
Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements: You must deposit $100.00 to open this account. A minimum balance fee of $7.50 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $100.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.
Accrual on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees and Charges: If an average daily balance of $100.00 is maintained there is no monthly service fee. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. If your average daily balance is less than $100.00 per statement cycle, there is a minimum balance fee of $7.50. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: No transaction limitations apply to this account.

Eligibility Requirements: Johnny Appleseed accounts are for savers up to age 13. Student savings is for young adults age 13 to 22. After that time the account will change to a statement saving and will be governed by its rules.
Fixed Rate Information: The interest rate on your account is .60% with an annual percentage yield (APY) of .60%. You will be paid this rate for each day until a rate change is made by the financial institution.
Compounding and Crediting: Interest will be compounded daily and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements: You must deposit $5.00 to open this account. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.
Accrual on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees and Charges: There is no monthly service fee. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: Withdrawals (excluding ATM) are limited to 3 per statement cycle, without a fee; withdrawals (excluding ATM) exceeding 3 per statement cycle are assessed a service fee of $1.00 per withdrawal. You may make six transfers from your account for each four week or similar period, if by preauthorized, or automatic transfer, or telephone agreement, order or instruction. Only three of these may be made by check, draft, debit card or similar order. An excess transaction fee of $5.00 is imposed on each transaction exceeding these limits.

Fixed Rate Information: The interest rate on your account is .60% with an annual percentage yield (APY) of .60%.You will be paid this rate for each day until a rate change is made by the financial institution.
Compounding and Crediting: Interest will be compounded daily and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements: You must deposit $25.00 to open this account. A minimum balance fee of $2.00 will be imposed every month if the average daily balance for the month falls below $25.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $200.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.
Accrual on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees and Charges: A minimum balance fee of $2.00 will be imposed every month if the average daily balance for the month falls below $25.00. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: Withdrawals (excluding ATM) are limited to 3 per statement cycle, without a fee; withdrawals (excluding ATM) exceeding 3 per statement cycle are assessed an excess withdrawal fee of $1.00 per withdrawal. You may make six transfers from your account for each four week or similar period, if by preauthorized, or automatic transfer, or telephone agreement, order or instruction. Only three of these may be made by check, draft, debit card or similar order.

You will be paid this rate for each day until a rate change is made by the financial institution.
Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Minimum Balance Requirements: You must deposit $50.00 to open this account. A minimum balance fee of $2.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $50.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.
Accrual on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
Fees and Charges: If an average daily balance of $50.00 is maintained there is no service fee. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. If your average daily balance is less than $50.00 per statement cycle, there is a minimum balance fee of $2.00. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.
Transaction Limitations: You may only make six (6) transfers from your account each statement cycle; these include preauthorized or automatic transfer; or telephone (including data transmission) agreement, order or instruction; or Internet banking order or instruction. Only three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. A $5.00 excess transaction fee is imposed for each withdrawal exceeding these limitations. Transfers and withdrawals made in person, by messenger, by mail, via online banking, or at an ATM are unlimited.

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