[50] High Yield Checking - Dividends: APY = Annual Percentage Yield. APYs and terms are accurate as of 3/1/2021 and may change after account is opened. Higher dividends are paid each month when the following monthly requirements are met: must have at least one direct deposit with a minimum of $500 and have at least 12 debit card purchases. A monthly fee of $4.95 will be assessed if the monthly qualifications are not met or an average daily balance of at least $1,000 is not maintained. Fees may reduce earnings.
[5] High Yield Checking: Higher dividends are paid and ATM fees are refunded each month when the following monthly requirements are met: must have at least one direct deposit with a minimum of $500 and have at least 12 debit card purchases. ATM fees are refunded up to $4 per transaction not to exceed a cumulative limit of $12 per month. A monthly fee of $4.95 will be assessed if these monthly qualifications are not met or an average daily balance of at least $1,000 is not maintained. Fees may reduce earnings.
[81] Monthly Premium Business Fees Waived: Monthly fee of $7 is waived if you maintain an average daily balance of $2,000 or if you enroll in Merchant Services, Payroll Management, or Remote Desktop Deposit. Please see the Business Fee Schedule for more details.
[82] Monthly In-Branch Item Limit: In-branch item is defined as each debit, withdrawal, transfer, check, or cash deposit initiative at a First Service branch or CO-OP Shared Branch. Example: 1 deposit with 3 checks = 3 items. After the monthly item limit is reached, a fee per item will apply. Please see the Business Fee Schedule for more details.
[32] Business & Organizational Accounts - Monthly Item Limits: In-branch item is defined as each debit, withdrawal, transfer, check, or cash deposit initiated at a First Service branch or CO-OP Shared Branch. Example: 1 deposit with 3 checks = 3 items. After the monthly item limit is reached, a fee of $0.25 per item will apply. Please see the Business Fee Schedule for more details.
[90] Insufficient Funds (NSF) Service Charge: An NSF service charge is charged each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge.
[51] Deposit Account - Dividends: APY = Annual Percentage Yield. APYs are accurate as of 3/1/2021 and subject to change. Fees may reduce earnings.
[99] Money Market - Yield: APY = Annual Percentage Yield. APYs are accurate as of 3/1/2021 and subject to change. Please see our Fee Schedule for details. Fees subject to change.
[53] Club Savings: APY = Annual Percentage Yield. APYs are accurate as of 3/1/2021 and subject to change. Account may be subject to a penalty for early withdrawal. Fees may reduce earnings.
[10] Certificates of Deposit: APY = Annual Percentage Yield. APYs are accurate as of 3/1/2021 and subject to change. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.
[11] New & Used Auto Loans - Rates: APR = Annual Percentage Rate. Loans subject to credit approval. Rates may differ depending on borrower creditworthiness and underwriting factors. Rates reflect discount of up to 80 basis points for GAP, Warranty, and all payment protection products. APR cannot be discounted below 2.74% for new loans and 3.74% for used loans. Current First Service loans are not eligible for cash offers, complimentary insurance, or other promotions. Purchase of payment protection products is not required.
[15] Vehicle Loan Rates: APR = Annual Percentage Rate. Loans subject to credit approval. Rates may differ depending on borrower creditworthiness and underwriting factors. Rates reflect discount of 50 basis points for purchase of Guaranteed Auto Protection (GAP), and selection of payment protection. Purchase of payment protection products is not required.
[21] Loan Rates: APR = Annual Percentage Rate. Loans subject to credit approval. Rate may differ depending on borrower creditworthiness and underwriting factors.
[61] Furniture, Appliance, and Computer Secured Loans: Funds for furniture, appliance, and computer secured loans must be paid directly to a merchant or credit card.
[16] Credit Card Rates: APR = Annual Percentage Rate. Subject to credit approval. Rate may differ depending on borrower creditworthiness and underwriting factors. See our credit card disclosure for complete details.
[87] First Lien Home Loan Rates: APR = Annual Percentage Rate. Rates and terms are subject to change without prior notice; other restrictions may apply. Loans subject to credit approval. Individual rate may differ depending on borrower creditworthiness and underwriting factors. Your final APR may vary based upon customary fees and closing costs, which are treatable as interest when calculating your final APR. PMI=Private Mortgage Insurance. Flood and/or property hazard insurance may be required. The payment example does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater.