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Current Rates

Investment Plans

Money Market - $1,000 Minimum Interest Compounded Monthly Interest Rate A.P.Y.*
Under $1,000.00 0.00% 0.00%
$1,000 to 9,999.99 0.10% 0.10%
$10,000 to 24,999.99 0.10% 0.10%
$25,000 to 99,999.99 0.10% 0.10%
$100,000 to 249,999.99 0.15% 0.15%
$250,000 and Over 0.25% 0.25%
Super Now Account - $1,000 Minimum Compounded Monthly Interest Rate A.P.Y.*
Under $1,000 0.00% 0.00%
$1,000 or more 0.10% 0.10%
Savings - $100 Minimum Compounded Daily/Paid Semi-Annually Interest Rate A.P.Y.*
Regular Savings 0.10% 0.10%
Copper's Savings Program 0.10% 0.10%
Christmas Club Savings Account 0.00% 0.00%

High & Free Interest Bearing Checking

High & Free Checking- $100 Minimum Compounded Monthly Rate A.P.Y.*
Up to $25,000.00 - Qualifications Met 0.75% 0.75%
Over $25,000.00 - Qualifications Met 0.10% 0.10%
All Balances - Qualifications Not Met 0.00% 0.00%
High & Free Qualifications include: Electronic Statements, One ACH Debit/Credit, 15 Settled Debit Card Transactions.

Certificates of Deposit

Term - $500 Minimum Compounded Quarterly Interest Rate A.P.Y.*
3 Month Certificate 0.10% 0.10%
6 Month Certificate 0.15% 0.15%
12 Month Certificate 0.30% 0.30%
12 Month FAMILY Certificate*** 0.30% 0.30%
18 Month Certificate 0.40% 0.40%
20 Month Jump Certificate** 0.30% 0.30%
24 Month Certificate 0.50% 0.50%
36 Month Certificate 0.80% 0.80%
48 Month Certificate 1.10% 1.10%
60 Month Certificate 1.15% 1.15%

IRA Certificates

Variable Rate/$100 Minimum - Compounded Semi-Annually Interest Rate A.P.Y.*
18 Month IRA Certificate 0.40% 0.40%
Fixed Rate/$100 Minimum - Compounded Semi-Annually Interest Rate A.P.Y.*
6 Month IRA Certificate 0.15% 0.15%
12 Month IRA Certificate 0.30% 0.30%
18 Month IRA Certificate 0.40% 0.40%
24 Month IRA Certificate 0.50% 0.50%
36 Month IRA Certificate 0.80% 0.80%
48 Month IRA Certificate 1.10% 1.10%
60 Month IRA Certificate 1.15% 1.15%

Health Savings Account (HSA)

Interest rates are tiered on your HSA, so your rates will increase as your account balance grows.
$100 Minimum - Compounded Monthly Interest Rate A.P.Y.*
Under $1,000.00 0.00% 0.00%
$1,000 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $99,999.99 0.10% 0.10%
$100,000 - $249,999.99 0.15% 0.15%
$250,000 and Over 0.25% 0.25%
$5.00 Monthly Service Charge on Balances Below $1,000.00.

Fees & Charges

IMPORTANT NOTICE - PAPER STATEMENT FEE

Beginning February 1, 2014, a Paper Statement Fee will be implemented on the checking account products as outlined below. The Paper Statement Fee can be avoided by accepting electronic bank statements. Electronic statements (eStatements) can be viewed online and replace the paper statements you receive in the mail. Enrolling is easy! Simply login to Online Banking, click the eStatement tab, and follow the online instructions. An active email address is required. If you are not set up for Online Banking, please stop by one of our branches.

'Free Personal Checking' will become 'Personal Checking'
Change in Terms:
Account includes free electronic statements (eStatements). If you choose to receive paper statements by mail with this account, a Paper Statement Fee will apply each monthly statement cycle as follows:

  • Paper Statement Fee - $3.00
You can avoid the Paper Statement Fee by:
  • Maintaining a $1,500.00 average monthly balance, OR
  • Receiving eStatements (requires active Online Banking account and active/valid email address).

'Free Green Leaf Checking' AND 'High and Free Interest Checking'
Change in Terms:

This account requires you to maintain an active Online Banking account, an active email address and accept electronic account statements monthly. If your email address becomes invalid and/or your eStatement is undeliverable, the account will be changed to receive paper statements by mail, and a $3.00 Paper Statement Fee will be assessed each monthly statement cycle.

Items Fee or Charge
Money Order 2.00
Cashier's Check 5.00
Travelers Cheques 1.00/100
Travelers Cheques for Two 2.00/100
Ordering Foreign Currency 25.00
Wire Transfer (Outgoing) 20.00
International Wire (Outgoing) 50.00
Domestic/International Incoming Wire Transfer 5.00
Fax (outgoing local) 1st page 1.00
each additional page (local) 0.50
Fax (outgoing long distance) 1st page 2.00
each additional page (long distance) 1.00
Returned Item Fee (NSF) 25.00
Overdraft Fee (OD) 25.00
Charge Back Fee (Per deposited item) 5.00 (Bus. CK)
Stop Payment 25.00
Dormant Account Monthly Fee 5.00
Telephone Transfer (per transfer) 5.00
Customer Research Fee 25.00/hr
Check Copies F/B 1.00ea
Temporary Statement 2.00
Statement Copies 3.00ea
Duplicate Statement w/images 5.00ea
Hold Statement Monthly Fee 5.00
Check Collection (incoming & outgoing per item) 25.00
Responding to garnishments &/or levies (fees may vary) 25.00/Min.
ATM or Debit Card Monthly Fee None
ATM or Debit Card Transaction Fee BLS terminal None
ATM or Debit Card Transaction Fee Other Terminals 2.00
ATM or Debit Card Replacement 5.00 per card
Check Order Printing fee prices may vary
Visa Gift Cards 4.95
Account Closing within 90 Day of Open 5.00
Night Deposit Replacement Key 2.00
Night Deposit Replacement Lock Bag 10.00

Rates Effective: 1/27/2014
Interest rate/APY may change after opening of account.

Rates subject to change. Substantial penalty for early withdrawal may apply.

Fees can reduce earnings on Super Now, Money Market and Savings accounts.

*Annual Percentage Yield

**20 - Month JUMP CD $2500 Minimum. NOT RENEWABLE
***12 - Month FAMILY CD $100 Minimum. Can be added to at any time in increments of $100.00.

Fees & Charges Effective: 2/1/2014.

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