Rates effective May 10, 2018

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Account Type Minimum Balance Required to Avoid Service Charge (*Minimum to open account) Monthly Service Charge Minimum Balance to Earn Interest 1 Interest Rate 2 APY 3 Additional Information
Regular Savings $50.00*
$1.00 $200.00 .07% .07%
  • Monthly service charge applies only if balance drops below $50.00 any day of the month.
  • Must maintain daily balance of $200.00 to earn interest, which would be paid on the entire balance in the account.

WUTMA/Youth Savings N/A $0
.01 .07% .07%
  • WUTMA for customers under the age of 12
  • Youth Savings for customers 13-18
  • When account holder turns 18, the account becomes a Regular Savings account.
Treasury Bill Savings $50.00* $1.00
Tier 1: $.01-$24,999.99
Tier 2: $25,000-$49,999.99
Tier 3: $50,000-$74,999.99
Tier 4: $75,000-$149,999.99 Tier 5:
$150,000.00 +

.16%

.30%

.39%

.47%

.55%

.16%

.30%

.39%

.47%

.55%
  • Monthly service charge applies only if balance drops below $50.00 any day of the month.
Core Savings N/A $5.00 4
.01
.19% .19%
  • 4 Limited to One withdrawal per month for no charge.
  • $5.00 charge for each additional withdrawal over one.

Limitations of Savings & Money Market Accounts-Regulation D

Federal Reserve Regulation limits the total number of transfers made by check, telephone, online banking, overdraft protection, as well as, pre-authorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month for savings and money market accounts, or six (6) per statement period for savings and money market accounts on a combined statement. A maximum of six (6) of these may be made by check, draft, or check card. There is a $5.00 fee for each third party withdrawal exceeding six (6) per month.


1 We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal balance in the account each day.

2 Interest Rates are subject to change after Account is opened.

3 APY = Annual Percentage Yield

Interest is compounded and credited quarterly unless otherwise noted. Please see the Deposit Account Agreement & Disclosure for a listing of all terms and conditions. Fees could reduce earnings.