Deposits

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Account Name	Features	Opening Balance	Balance to Avoid Service Charge	Service Charges	Interest Rate Annual Percentage Yield (APY)
BASIC Checking	Unlimited Check Writing ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit	$100	$600	If Minimum Balance Falls Below $500 -$8.00 Service Charge If Minimum Balance Below $500 - $600 -$6.00 Service Charge If Minimum Balance Above $600 - No Service Charge $2.00 ATM/Visa Debit Card Monthly Maintenance Fee	N/A
Scholar Checking	ATM/VISA Debit Card (With Approval) $100 Daily Withdrawal Limit 10 Free Checks Per Month	$50	N/A	$3.00 Monthly Maintenance Charge $0.50 Per Check Charge After 10 Free Monthly Checks $2.00 ATM/Visa Debit Card Monthly Maintenance Fee	N/A
Direct Checking	Unlimited Check Writing ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit	$50	N/A	No Monthly Maintenance Charge ACH Direct Deposit is Required $2.00 ATM/Visa Debit Card Monthly Maintenance Fee	N/A
Balance Checking	Unlimited Check Writing ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit	$100	N/A	IF Combined Balances (DDA, Savings, CDs, or Loans) Over $10,000—No Service Charge If Combined Balances Fall Below $10,000 - $8.00 Service Charge $2.00 ATM/Visa Debit Card Monthly Maintenance Fee	N/A
Classic 55 Account	Free Bank Checks; 25% Discount On Other Styles Free Travelers Checks Free Notary Services Free In - Bank Transfers Free ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Interest Bearing	$100	$955	If Minimum Balance Falls Below $955.00 - $9.55 Service Charge If Minimum Balance Above $955.00 - No Service Charge No ATM/VISA Debit Card Monthly Maintenance Fee	Interest Rate 0.10% APY 0.10%
NOW Account	Unlimited Check Writing ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit Interest Bearing	$1,000	$1,000	If Minimum Balance Falls Below $1000.00 - $8.50 Service Charge $2.00 ATM/VISA Debit Card Monthly Maintenance Fee	Interest Rate 0.10% APY 0.10% (No Minimum Balance) to obtain
PATRIOT ACCOUNT	Unlimited Check Writing Free ATM/Visa Debit Card (With Approval) $300 Daily Withdrawal Limit First Patriotic Check Order Free Interest Bearing	$1000	N/A	No Monthly Service Charge No ATM/VISA Debit Card Monthly Maintenance Fee *Must be Active Duty, Veteran, or Immediate Family of Those Currently Serving in Any Branch of U.S. Military. Police Force and First Responders are included.	Interest Rate Varies Weekly 1.00% Below Daily Treasury Bill Rate 2.95% Rate Ceiling Effective: June 10, 2023
Super T Account	ATM/VISA Debit Card (With Approval) $300 Daily Withdrawal Limit Interest Rate - 90 Day Treasury Bill Less .75%	$7,500	$7,500	If Minimum Balance Falls Below $7,500 – $10.00 Service Charge/Statement Cycle $2.00 ATM/VISA Debit Card Monthly Maintenance Fee	Interest Rate Varies Weekly 0.75% Below Daily Treasury Bill Rate 3.20% Rate Ceiling Effective: January 10, 2023
Money Market Account	ATM/Visa Debit Card (With Approval) $300 Daily Withdrawal Limit Interest Bearing	$3,000	$3,000	If Minimum Balance Falls Below $3,000 – $8.50 Service Charge/Statement Cycle Transactions are limited to 6 Per Month $2.00 ATM/VISA Debit Card Monthly Maintenance Fee	Interest Rate 0.25% APY 0.25%
Statement Savings	Interest Bearing	$50	$50	If Minimum Balance Falls Below $50.00– $3.00 Transactions are limited to 18 Per Quarter	Interest Rate 0.25% APY 0.25%
Business Checking	125 Free Transactions	$500	N/A	Monthly Maintenance Fee - $9.50 Transactions In Excess of 125 Per Month - $0.20 Per Transaction Earnings Credit of 0.25% On Each $1000 Average Balance To Offset Charges	N/A

*The annual percentage yields (APY) are accurate as of today and are subject to change without notice. The annual percentage yield on all Time Deposits with a term length indicated in a range of days/months is calculated on the maximum term length for that deposit. Fees may reduce earnings.

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