Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Compounding and crediting frequency – Interest will be compounded daily on the Daily Ledger Balance. Interest will be credited to your account every quarter.
You must deposit $200.00 to open this account.
Transaction limitations - Transfers from a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per quarter.
Frequency of rate changes – At our discretion, we may change the interest rate on your account at any time.
Rate Information – Your interest rate and annual percentage yield may change.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $200.00 in the account each day to obtain the disclosed annual percentage yield.
A withdrawal fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transaction or payment out of this account) in excess of six during a quarter.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Compounding and crediting frequency – Interest will be compounded every month and credited to the account each month.
Daily balance computation method – We use the daily ledger balance to calculate the interest on your account. This applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits – Interest begins to accrue on the first business day after the banking day you deposit noncash items (checks).
$2,500 minimum to open
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Rate Information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – At our discretion, we may change the interest rate on your account at any time.
Transaction limitations – Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle with no more than three by check, draft, or similar order to third parties.
Minimum balance to avoid imposition of fees – A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
An excess withdrawal fee of $5.00 will be charged for each transaction in excess of the above limitations.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
Compounding and crediting frequency – Interest will be compounded every month and credited to the account each month.
Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Images of items ARE returned to account holder.
$1,000 minimum to open
Minimum balance to avoid imposition of fees – A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
No service charge unless balance falls below $1,000.00. If balance falls below $1,000.00, a statement cycle service fee of $10.00 will be imposed.
With a minimum deposit of $500.00, you may select investment periods from 30 days to 36 months.
For more information regarding our certificates please call or come by the bank.
We reserve the right at any time to require not less than 7 days notice in writing before each withdrawal from any interest bearing account, other than a time deposit, as defined by Regulation D.
There may be a substantial penalty for early withdrawal of any CD.
Contributions to your IRA can be set up to offer you the flexibility that suits your individual needs.
You choose how you want to contribute, as well as your contribution amounts. For further information regarding our IRAs, please call or come by the bank.
Agricultural Loans- We specialize in ag lending and can help you with any agricultural loan.
Commercial Loans- Expand your existing business or start up a new business!
Consumer Loans- Buy a new car or go on a vacation with the help of a personal consumer loan!
NOTICE: OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
