Benefits:

• No minimum balance requirements.
• No monthly service charge.
• Free printed checks.
• Interest earned on all balances.   

Rate Information:

• At our discretion, your interest rate and annual percentage yield may change at any time on your account
• Interest will be compounded and credited to your account every statement cycle.
• We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. 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. The period we use is the monthly statement cycle.

Accrual of interest on non-cash deposits:

• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).