Deposit Rates

Print Deposit Rates

Rates are accurate as of 01/27/2020 and subject to change at any time.

Balance Dividend Rate Annual Percentage Yield (APY)51 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$100 and over 0.05% 0.05% $5.00 $100.00 and over $5.00 Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)51 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$100.00 and over 0.05% 0.05% $5.00 $100.00 and over — Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)51 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$100.00 and over 0.05% 0.05% $5.00 $100.00 and over $5.00 Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)9 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$100,000.00 to $249,999.99 0.99% 1.00% $2,500.00 $100,000.00 - $249,999.99 $10,000.00 Monthly Monthly
$2,500.00 to $24,999.99 0.49% 0.50% $2,500.00 $2,500.00 - $24,999.99 $10,000.00 Monthly Monthly
$25,000.00 to $49,999.99 0.74% 0.75% $2,500.00 $25,000.00 - $49,999.99 $10,000.00 Monthly Monthly
$250,000.00 and above 1.34% 1.35% $2,500.00 $250,000.00 and above $10,000.00 Monthly Monthly
$50,000.00 to $99,999.99 0.84% 0.85% $2,500.00 $50,000.00 - $99,999.99 $10,000.00 Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)51 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$100.00 and over 0.05% 0.05% $5.00 $100.00 and over $5.00 Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)51 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$5 and over 0.10% 0.10% $5.00 $5.00 — Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)53 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$5 and over 0.30% 0.30% $5.00 $5.00 — Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)9 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$2,500.00 to $24,999.99 0.49% 0.50% $2,500.00 $2,500.00 - $24,999.99 $2,500.00 Monthly Monthly
$25,000.00 to $49,999.99 0.74% 0.75% $2,500.00 $25,000.00 - $49,999.99 $2,500.00 Monthly Monthly
$50,000.00 to $99,999.99 0.84% 0.85% $2,500.00 $50,000.00 - $99,999.99 $2,500.00 Monthly Monthly
$100,000.00 to $249,999.99 0.99% 1.00% $2,500.00 $100,000.00 - $249,999.99 $2,500.00 Monthly Monthly
$250,000.00 and above 1.34% 1.35% $2,500.00 $250,000.00 and above $2,500.00 Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)50 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period

Nonqualifying Balances $0.01 and Over

 0.01% 0.01% $1.00 All Balances $1,000 Monthly Monthly

Qualifying Balances over $20,00050

0.30% 0.30% $1.00 Over $20,000 — Monthly Monthly

Qualifying Balances $0.00 - $20,00050

2.22% 2.25% $1.00 $0.00 - $20,000 — Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)51 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$100 to $49,999.99 0.30% 0.30% $25.00 $100.00 - $49,999.99 — Monthly Monthly
$50,000 and over 0.59% 0.60% $25.00 $50,000.00 and over — Monthly Monthly

Term Balance Dividend Rate Annual Percentage Yield (APY)10 Minimum Opening Deposit Dividends Compounded and Credited Dividend Period
6 months $1,000 to $49,999.99 0.74% 0.75% $1,000.00 Monthly Monthly
6 months (jumbo) $50,000 and over 0.84% 0.85% $50,000.00 Monthly Monthly
12 months $1,000 to $49,999.99 1.54% 1.55% $1,000.00 Monthly Monthly
12 months (jumbo) $50,000 and over 1.63% 1.65% $50,000.00 Monthly Monthly
18 months $1,000 to $49,999.99 1.58% 1.60% $1,000.00 Monthly Monthly
18 months (jumbo) $50,000 and over 1.68% 1.70% $50,000.00 Monthly Monthly
24 months $1,000 to $49,999.99 1.73% 1.75% $1,000.00 Monthly Monthly
24 months (jumbo) $50,000 and over 1.83% 1.85% $50,000.00 Monthly Monthly
36 months $1,000 to $49,999.99 1.83% 1.85% $1,000.00 Monthly Monthly
36 months (jumbo) $50,000 and over 1.93% 1.95% $50,000.00 Monthly Monthly
48 months $1,000 to $49,999.99 1.98% 2.00% $1,000.00 Monthly Monthly
48 months (jumbo) $50,000 and over 2.08% 2.10% $50,000.00 Monthly Monthly
60 months $1,000 to $49,999.99 2.08% 2.10% $1,000.00 Monthly Monthly
60 months (jumbo) $50,000 and over 2.17% 2.20% $50,000.00 Monthly Monthly

Term Balance Dividend Rate Annual Percentage Yield (APY)10 Minimum Opening Deposit Dividends Compounded and Credited Dividend Period
6 Months $1,000 and over 0.84% 0.85% $1,000.00 Monthly Monthly
12 Months $1,000 and over 1.63% 1.65% $1,000.00 Monthly Monthly
18 Months $1,000 and over 1.68% 1.70% $1,000.00 Monthly Monthly
24 Months $1,000 and over 1.83% 1.85% $1,000.00 Monthly Monthly
36 Months $1,000 and over 1.93% 1.95% $1,000.00 Monthly Monthly
48 Months $1,000 and over 2.08% 2.10% $1,000.00 Monthly Monthly
60 Months $1,000 and over 2.17% 2.20% $1,000.00 Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)10 Minimum Opening Balance Dividends Compounded and Credited Dividend Period Additional Deposit
$100 and over 0.49% 0.50% $100.00 Monthly Monthly Monthly deposit of at least $50 required

Loan Rates

Print Loan Rates

Rates are accurate as of 01/27/2020 and subject to change. Rate may vary depending on individual credit history and underwriting factors. Rates shown below are based on a credit score of 750+ and all possible discounts for GAP, warranties, and payment protection products.

Annual Percentage Rate11 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 3.09% Up to 36 months $29.13
As low as 3.09% Up to 48 months $22.18
As low as 3.09% Up to 60 months $18.01
As low as 3.09% Up to 72 months $20,000 and up $15.24
As low as 3.29% Up to 84 months $35,000 and up $13.35

Annual Percentage Rate11 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 4.09% Up to 36 months $29.57
As low as 4.09% Up to 48 months $22.63
As low as 4.09% Up to 60 months $18.46
As low as 4.09% Up to 72 months $20,000 and up $15.69
As low as 4.29% Up to 84 months $35,000 and up $13.81

Annual Percentage Rate15 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 5.84% Up to 60 months $7,500 and under $19.26
As low as 6.09% Up to 72 months $7,501 - 15,000 $16.62
As low as 6.34% Up to 120 months $15,001 - 25,000 $11.28
As low as 6.59% Up to 132 months $25,001 - 35,000 $10.68
As low as 6.84% Up to 144 months $35,001 and greater $10.21

Annual Percentage Rate15 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 7.45% Up to 60 months $20.08

Annual Percentage Rate21 Term Loan Amount61 Payment Example Per $1,000 Borrowed
As low as 6.25% Up to 36 months Maximum of $5,000 $30.62

Annual Percentage Rate21 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 6.99 - 16.99% Up to 60 months Up to $30,000 $19.80 - 25.02

Annual Percentage Rate21 Index Loan Amount
8.99 - 17.39% Index 6 Months T-Bill + 4.15% - 12.25% (Floor 8.99% - 17.39% Cap) Maximum of $30,000

Annual Percentage Rate21 Term
Regular Share Rate + 3% Up to 10 Years

Annual Percentage Rate21 Term
Regular Share Rate + 3% Same term and maturity as certificate

Annual Percentage Rate16
7.99 - 18.00%

Annual Percentage Rate55 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 5.99% 1-5 Years $10,000 and up $19.33 at 5 years
As low as 6.24% 6-10 Years $10,000 and up $11.22 at 10 years
As low as 6.49% 11-20 Years $25,000 and up $7.45 at 20 years

Annual Percentage Rate55 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 3.99% 1-5 Years $10,000 and up $18.41 at 5 years
As low as 4.49% 6-10 Years $10,000 and up $10.36 at 10 years
As low as 4.99% 11-20 Years $25,000 and up $6.59 at 20 years

Fees

Print Fees

Fees are accurate as of 01/27/2020 and subject to change at any time..

Fee Description Fee Amount
High Yield Checking Account Service Fee

$4.95 per month if the monthly qualifications are not met5

Fresh Start Checking Account Service Fee

$9.00 per month
Club Savings Account Excessive Withdrawal Fee

$5.00 per withdrawal after 1 per month
Money Market Account Service Fee

$10.00 per month if minimum balance is not maintained
Money Market Account Excessive Withdrawal Fee

$10.00 per withdrawal over 6 per month (no more than 3 by check)

Fee Description Fee Amount
Business Savings Account Excessive Item Fee

$0.25 per item over 6 per month32

Business Essential Checking Account Service Fee

$7.00 per month if minimum balance is not maintained
Business Essential Checking Account Excessive Item Fee

$0.25 per item over 150 per month32

Business Edge Checking Account Service Fee

$25.00 per month if minimum balance is not maintained
Business Edge Checking Account Excessive Item Fee

$0.25 per item over 250 per month32

Business Money Market Account Service Fee

$10.00 per month if minimum balance is not maintained
Business Money Market Account Excessive Withdrawal Fee

$10.00 per withdrawal over 6 per month (no more than 3 by check)
Organization Savings Account Excessive Item Fee

$0.25 per item over 6 per month32

Organization Checking Account Excessive Item Fee

$0.25 per item over 100 per month32

Fee Description Fee Amount
Card Replacement Fee $5.00 per card
Overdraft Transfer Fee $5.00 per transfer
Courtesy Pay Fee $30.00 per paid item
Insufficient Funds (NSF) Fee

$30.00 per item
Stop Payment Fee $30.00 per item
Third Party Return Deposit Item (RDI) Fee $10.00 per item
First Party Return Deposit Item (RDI) Fee $30.00 per item
Invalid MICR Line Processing $2.00 per item
Temporary Checks $4.00 per sheet of 8 checks
Foreign (Non-First Service) ATM Fee

$2.00 per item
Items Sent for Collection $10.00 per item for foreign and domestic plus bank fees
Domestic Wire Transfer Fee (in Online Banking) $15.00
Domestic Wire Transfer Fee (Walk-In) $20.00
Foreign Wire Transfer Fee (in Online Banking) $40.00
Foreign Wire Transfer Fee (Walk-In) $45.00 plus any corresponding bank charges
Cashier's Check $3.00 per check
Travel Card

$9.50 per item
Reloadable Card $3.95 each
Gift Card $3.95 each
Paper Statement Processing Fee $3.00 per statement
Statement Copy Fee $2.50 per statement
Check Copy Fee $3.00 per item
Account Activity Printout $3.00 per printout
Account Reconciliation $22.00 per hour
Account Research $20.00 per hour
Dormant / Inactive Account Fee (For Members with Paid-Off Indirect Loans)

$5.00 per month
Notary Service (Non-Members)

$6.00
IRA Transfer Fee

$5.00
Account Closure Fee $15.00 per account if closed within 6 months of opening
Returned Mail / Bad Address Fee $5.95 per month
Verification of Deposit Requests $2.00 per completed form
Check Cashing Fee (Members) 2% of check amount (fee waived with minimum $250 aggregate account balance or loan)
Check Cashing Fee (Non-Members) 2% of total check amount or $10.00 whichever is greater (includes checks drawn from First Service accounts)
Change / Rolled Coin Order $2.50
Coin Exchange / Coin Machine Fee (Members) 3% of total amount of coins exchanged
Coin Exchange / Coin Machine Fee (Non-Members) 5% of total amount of coins exchanged
Service Center Assisted Phone Requests

$2.00 per call over 2 per month (not applicable to members age 70 or over)
Business Remote Desktop Deposit

$50.00 per month
Business Sweep Services

$50.00 per month
Business Zero Balance Service

$40.00 per month

Fee Description Fee Amount
Business Analysis Account Maintenance Fee

$19.00 per month
Uncollected Funds Charge

2% of pending amount
Insufficient Funds (NSF)

$30.00 per item
Returned Deposited Item

$10.00 per item
Stop Payment

$30.00 per item
Incoming Domestic Wire Transfer

$15.00
Outgoing Domestic Wire Transfer

$25.00
International Wire Transfer

$50.00
Cashier's Check

$3.00 per check
Remote Desktop Deposit

$50.00 per month
Sweep Service

$50.00 per month
Zero Balance Service

$40.00 per month
ATM/Debit Card Transactions

$0.20 per item
ACH/Electronic Debits

$0.20 per item
Cash Withdrawals

$0.20 per item
In-Branch Deposits

$0.25 per item
ACH Credits/Deposits

$0.15 per item