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FREE CHECKING

• Open with $50.
• No minimum balance required.
• No service charge on this account.
• Truncated account.

Campus Checking

• Open with $50.
• No minimum balance required.
• No service charge on this account.
• Converts to a Money Maker account upon account holders 25th birthday.

MONEY MAKER ACCOUNT

Your interest rate and annual percentage yield may change.

At our discretion, we may change the interest rate on your account daily.

Interest begins to accrue on the day after you deposit non-cash items (for example, checks). Interest is compounded monthly and is credited monthly on the last day of your statement cycle. If you close your account, you will be credited with interest earned since the beginning of the cycle until the date you close the account.

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.

This account has a monthly service charge of $7.95. Minimum balance of $100 to open this account.

NOW Account

• Your interest rate and annual percentage yield may change.
• At our discretion, we may change the interest rate on your account daily.
• Interest begins to accrue on the day after you deposit non-cash items (for example, checks).
• Interest is compounded monthly and is credited monthly on the last day of your statement cycle.
• If you close your account, you will be credited with interest earned since the beginning of the cycle until the date you close the account.
• 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.
• The minimum balance to earn interest for this account is $1,500. If the daily balance falls below $1,500 during a statement cycle no interest will be paid on the account for that statement cycle.
• Monthly service charge $10.00 if daily balance falls below $1000.

** All transactional accounts are subject to a $3.00 dormant fee if there is no deposit or withdrawal activity for 24 months.

MONEY MARKET ACCOUNT

• Your interest rate and annual percentage yield may change.
• At our discretion, we may change the interest rate on your account daily.
• Interest begins to accrue on the day after you deposit non-cash items (for example, checks).
• Interest is compounded monthly and is credited monthly on the last day of your statement cycle.
• If you close your account, you will be credited with interest earned since the beginning of the cycle until the date you close the account.
• 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.
• You may make six (6) transfers a month from your account, but only three (3) may be payments by check to third parties transactions that may be permitted in unlimited numbers are; automatic transfers to pay a loan with AFCB, transfers or withdrawals made by mail, messenger, automated teller machine, or in person as withdrawals, transfers to another account of the depositor at the same institution, withdrawals initiated by telephone and consummated by a check mailed to the depositor, deposits. Transactions that are limited are; pre authorized transfers are limited to six per month, no more than three of which may be check, draft, debit card, or similar third parties, ACH debits, pre authorized drafts to cover overdrafts, and transfers made by telephone either to an employee or through an automated system, or by internet banking are under six transactions per month rule.. Point of sale transactions or checks payable to third parties are limited to three per month.
• The minimum balance of this account is $2,500. If the balance in the account is below $2,500 on any day, the interest rate paid on this account will revert to that of our NOW account for the period of time the daily balance is below $2,500. If the daily balance falls below $1,000, the account will be subject to the fees charged on NOW accounts.

Certificate of Deposit
Maturity of Less Than One Year

• Interest rate will be in effect until the maturity date.
• This account pays simple interest which will be credited to your account at maturity.
• Interest begins to accrue on the day after you deposit non-cash items (for example, checks).
• This account will automatically renew at maturity.. You will have a grace period of seven (7) business days from the maturity date to withdraw your funds without being charged a penalty. 7-day accounts have a 1 day grace period.
• After this account is opened, you may not make deposits into this account until the maturity date.
• Interest on this account may be withdrawn from the account without penalty at any time.
• 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.
• If any of the principal is withdrawn before the maturity date, a penalty will be imposed. Ninety days interest on the amount withdrawn will be forfeited as penalty. On 7-day accounts, 7 days' interest on the amount withdrawn will be forfeited as a penalty. Any withdrawal which reduces the account balance below the minimum balance requirement, or any change in the term or rate of earnings, shall be considered a withdrawal of the entire account balance.

Market Account

If the balance falls below $5,000.00 on any one day during the cycle the interest rate paid on the entire account balance will revert to the current NOW account rate. The minimum amount to open this account is $5,000.00.

• If the balance falls below $5,000.00 on any one day during the cycle period a monthly service charge of $15.00 will be levied against the account for that cycle period.
• This is a variable rate account and your interest rate and annual percentage yield may change at any time.
• Interest begins to accrue on the day after you deposit non-cash items (for example, checks)
• Interest is compounded monthly and is credited monthly on the last day of your statement cycle.
• If you close your account, you will be credited with interest earned since the beginning of the cycle until the date you close the account.
• We calculate the interest on your account using the daily balance method. This method applies a daily periodic rate to the principal in the account each day.
• You are limited to six (6) transfers per month from your account, but only three (3) may be payments made by check to third parties. Transactions that may be permitted in unlimited numbers are; automatic transfers to pay a loan with AFCB, transfers or withdrawals made by mail, messenger, automated teller machine, or in person as withdrawals, transfers to another account of the depositor at the same institution, withdrawals initiated by telephone and consummated by a check mailed to the depositor or deposits.. Transactions that are limited are; pre authorized transfers are limited to six per month, no more than three of which may be check, draft, debit card, or similar third parties, ACH debits, pre authorized drafts to cover overdrafts, and transfers made by telephone either to an employee or through and automated system, or by Internet banking under six transactions per month rule, Point of sales transactions or checks payable to third parties are limited to three per month.

Super NOW Account

• Your interest rate and annual percentage yield may change
• At our discretion, we may change the interest rate on your account daily.
• Interest begins to accrue on the day after you deposit non-cash items (for example, checks).
• Interest is compounded monthly and is credited monthly on the last day of your statement cycle.
• If you close your account, you will be credited with interest earned since the beginning of the cycle until the date you close the account.
• 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.
• The minimum balance to earn interest for this account is $2,500., If the daily balance falls below $2,500 during a statement cycle, no interest will be paid on the account for that statement cycle. If the daily balance falls below $1,000 the account will be subject to the fees charged on NOW accounts. See attached rate sheet for current A.P.Y and interest rates.

President's Choice Checking Account

If the balance falls below $25,000.00 on any one day during the cycle the interest rate paid on the entire account balance will be .20%, with an annual percentage yield (APY) of 20% for that cycle.

• The minimum amount to open this account is $2,500.00.
• If the balance falls below $25,000.00 on any one day during the cycle period a monthly service charge of $15.00 will be levied against the account for that cycle period.
• This is a variable rate account and your interest rate and annual percentage yield may change at any time.
• Interest begins to accrue on the day after you deposit non-cash items (for example, checks)
• Interest is compounded monthly and is credited monthly on the last day of your statement cycle.
• If you close your account, you will be credited with interest earned since the beginning of the cycle until the date you close the account.
• We calculate the interest on your account using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. See attached rate sheet for current A.P.Y and interest rates.

Statement Savings Regular Savings

• Minimum of $50 to open savings account.
• The interest on this account is compounded monthly.
• No service charge for balances $50.00 an over. A monthly service fee of $3.00 will be charged for balances under $50.00
• Accounts with no deposit or withdrawal activity for 24 months will be considered dormant and a $3.00 fee will be charged. See attached rate sheet for current A. P.Y and interest rates.

Individual Retirement Account

• Interest begins to accrue on the day after you deposit non-cash items (for example, checks).
• This account will automatically renew at maturity. You will have a grace period of seven (7) calendar days from the maturity date to withdraw your funds without being charged a penalty.
• Interest on this account may be withdrawn from this account without penalty at any time. However, the calculation of the disclosed Annual Percentage Yield (APY) assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
• 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.
• If any of the principal is withdrawn before the maturity date, a penalty will be imposed. If the term of the certificate is greater than 7 days and less than one year, 90 days interest on the amount withdrawn will be forfeited as a penalty. If the term of certificate is one year or greater, six months' interest on the amount withdrawn will be forfeited as penalty. On 7-day accounts, 7 days' interest on the amount withdrawn will be forfeited as a penalty. Any withdrawal which reduces the account balance below the minimum balance requirement, or any change in the term or rate of earnings, shall be considered a withdrawal of the entire account balance.
• If any amount of principal or interest is withdrawn, the amount may be subject to Federal tax consequences.

Variable Rate IRA

• Your interest rate and annual percentage yield may change.
• At our discretion, we may change the interest rate on your account daily.
• You may make deposits into this account at any time in any amount after the account is opened.

Fixed Rate IRA

• Interest rate will be in effect until the maturity date.
• Minimum subsequent deposit to the account is $100.

Certificate of Deposit Maturity of One Year or Greater

• Interest rate will be in effect until the maturity date.
• This account pays interest compounded quarterly which will be credited to your account quarterly.
• Interest begins to accrue on the day after you deposit non-cash items (for example, checks).
• This account will automatically renew at maturity. You will have a grace period of seven (7) calendar days from the maturity date to withdraw your funds without being charged a penalty.
• After this account is opened, you may not make deposits into this account until the maturity date.
• Interest on this account may be withdrawn from the account without penalty at any time. However, the calculation of the disclosed Annual Percentage Yield (APY) assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
• 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.
• If any of the principal is withdrawn before the maturity date, a penalty will be imposed. Six months' interest on the amount withdrawn will be forfeited as penalty. Any withdrawal which reduces the account balance below the minimum balance requirement, or any change in the term or rate of earnings, shall be considered a withdrawal of the entire account balance.