Text Size

Normal SizeLarge Size

Rates

*PossibilitiesCHECKING

Rate TiersInterest RateAPY*
Balances up to $15,0001.54%

If statement cycle qualifications are met.

1.55%

If statement cycle qualifications are met.

Balances over $15,0000.15%

If statement cycle qualifications are met.

0.15%

If statement cycle qualifications are met.

Base rate 0.10%

When statement cycle qualifications are not met.

0.10%

When statement cycle qualifications are not met.

Minimum to open account is $100.00.


*Annual Percentage Yield (APY) accurate as of March 4, 2014.


Possibilities Checking Rate tiers are as follows: 1.55% APY applies to balances of $0.01 - $15,000.00 and balances over $15,000.00 earn 0.15% interest rate on portion of balance over $15,000.00 resulting in 1.55% - 0.33% APY depending on the balance if qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 1.55% APY – 0.15% APY if monthly qualifications are met for monthly qualification cycle.


The Annual Percentage Yield (APY) disclosed on the POSSIBILITIES Checking account assumes that interest earned in POSSIBILITIES Checking compounds. However, by choosing to have POSSIBILITIES Saver linked to POSSIBILITIES Checking, you understand that the interest earned in your POSSIBILITIES Checking account is automatically transferred into your POSSIBILITIES Saver account at the end of the statement cycle and therefore does not remain in your POSSIBILITIES Checking account and does not compound. Additionally, you understand that the interest amount earned in the POSSIBILITIES Saver account may be less than the interest amount earned in the POSSIBILITIES Checking account.


Rates may change at any time, including after your account is opened. Fees may reduce earnings. No minimum balance required to earn rewards.


Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.


** If you have met your qualifications for the specified qualification cycle, we will reimburse you for domestic ATM fees up to $25 per qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM fees of $4.99 or less will be reimbursed when qualifications are met. ATM fees of $5.00 and higher will be reimbursed up to a maximum of $5.00 per individual transaction if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.


Available to Personal Accounts only. Limit one account per person (SSN).

*PossibilitiesSAVER

Rate TiersInterest RateAPY*
Entire Balance

If statement cycle qualifications are met in Possibilities Checking.

0.35%

If statement cycle qualifications are met in Possibilities Checking.

0.35%

If statement cycle qualifications are met in Possibilities Checking.

Entire Balance

If statement cycle qualifications are not met in Possibilities Checking.

0.10%

If statement cycle qualifications are not met in Possibilities Checking.

0.10%

If statement cycle qualifications are not met in Possibilities Checking.

*Annual Percentage Yield (APY) accurate as of March 4, 2014.


Minimum to open POSSIBILITIES Checking account is $100.00 and $100.00 for POSSIBILITIES Saver.


POSSIBILITIES Checking account Rate tiers are as follows: 1.55% APY applies to balances of $0.01 - $15,000.00 and balances over $15,000.00 earn 0.15% interest rate on portion of balance over $15,000.00 resulting in 1.55% - 0.33% APY depending on the balance if qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 1.55% APY – 0.15% APY if monthly qualifications are met for monthly qualification cycle.


The Annual Percentage Yield (APY) disclosed on the POSSIBILITIES Checking account assumes that interest earned in POSSIBILITIES Checking compounds. However, by choosing to have POSSIBILITIES Saver linked to POSSIBILITIES Checking, you understand that the interest earned in your POSSIBILITIES Checking account is automatically transferred into your POSSIBILITIES Saver account at the end of the statement cycle and therefore does not remain in your POSSIBILITIES Checking account and does not compound. Additionally, you understand that the interest amount earned in the POSSIBILITIES Saver account may be less than the interest amount earned in the POSSIBILITIES Checking account.


Qualifying transactions must post and clear the POSSIBILITIES Checking account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions.


POSSIBILITIES Saver account rates are as follows: 0.35% APY applies to entire balance if qualifications are met during the qualification cycle on the POSSIBILITIES Checking account and 0.10% APY applies to entire balances if qualifications are not met on the POSSIBILITIES Checking during the monthly qualification cycle.


Rates may change at any time, including after your account is opened. Fees may reduce earnings. No minimum balance required to earn rewards.


** If you have met your qualifications for the specified qualification cycle, we will reimburse you for domestic ATM fees (for your POSSIBILITIES Checking account only) up to $25 per qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM fees of $4.99 or less will be reimbursed when qualifications are met. ATM fees of $5.00 and higher will be reimbursed up to a maximum of $5.00 per individual transaction if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.


Available to Personal Accounts only. Limit one account per person (SSN).


The number of withdrawals or transfers from a POSSIBILITIES Saver account that you make in-person, by mail or at an ATM are unlimited. During your statement cycle, you may also make up to six transfers or payments in the aggregate, via pre-authorized withdrawals, telephone banking service, online banking service or automatic transfers. Excess withdrawals may result in account being closed.


First Rate Checking and Prestige Checking

BalanceAPY*
$300.000.05%
$10,0000.10%
$20,0000.10%
$50,0000.15%

First Rate Checking and Prestige Checking Account (50 years of age and older) require a minimum $1,000 to open and $1,000 minimum to avoid monthly service fees. This is a variable rate account. APYs (Annual Percentage Yield) are accurate as of March 1, 2012 and are subject to change, including after account opening. Fees and withdrawals could reduce earnings.

Statement Savings (Personal & Business)

BalanceAPY*
$300 & Up0.10%

Savings account requires a minimum $100 to open and $300 minimum to earn interest and avoid monthly service fees. This is a variable rate account. APY (Annual Percentage Yield) is accurate as of January 4, 2011 and is subject to change thereafter, including after account opening. Fees and withdrawals could reduce earnings.

Commercial Checking With Interest

BalanceAPY*
All Balances0.05%

Commercial Checking With Interest requires a minimum $250 to open. This is a variable rate account. *APYs (Annual Percentage Yields) are accurate as of July 1, 2014 and are subject to change, including after account opening. Fees and withdrawals could reduce earnings.

Money Market

BalanceAPY*
$0 - $9,999.990.05%
$10,000 - $24,999.990.05%
$25,000 - $49,999.990.10%
$50,000 and up0.15%

Money Market account requires a minimum $2,500 to open and $2,500 minimum to avoid monthly service fees. This is a variable rate account. APYs (Annual Percentage Yield) are accurate as of July 1, 2014 and are subject to change, including after account opening. Fees and withdrawals could reduce earnings.

IRA 18 Month Variable

BalanceAPY*
$250.00 & up0.15%

18-Month IRA Certificate of Deposit requires a minimum of $250 to open. This is a variable rate account. APY (Annual Percentage Yield) is accurate as of July 1, 2012 and is subject to change, including after account opening. Withdrawals could reduce earnings. Early withdrawal penalties may be imposed for withdrawals before maturity.

You may make additional contributions to your IRA as is allowable by IRS contribution limitations.

This account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. You can prevent renewal if you withdraw the funds in that account at maturity or within the grace period or we receive written notice from you within the grace period. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Home Equity Lines of Credit (HELOC)

BalanceTerm (Years)APR*
Lines $10,000 to $24,99974.000%
Lines $25,000 to $49,99974.000%
Lines $50,000 to $99,99974.000%
Lines $100,000 and up74.000%

The Rate floats based on the highest Prime Rate published in the Money Section of the Wall Street Journal on the first day of the month. The cap is 18%. The Floor is 4.0%. The minimum allowed advance is $500. Higher rates may apply if the loan to value is greater than 80%. Interest only monthly payments may result in a balloon balance due at maturity. No borrower closing or origination costs for lines $25,000 or greater. Minimum line is $5,001. Lines less than $25,000 require borrower paid closing or origination costs, generally ranging from $150 to $500. All lines have an annual fee of $20 beginning in the second year. Hazard Insurance is required and flood insurance may be required. Terms of this line apply to owner occupied 1-4 family residence non-purchase transactions. Interest may be deductible, consult your tax advisor. Rates and terms are subject to change.