Deposit Rates

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Rates are accurate as of 5/1/2023 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)99 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$0 to $2,499.99 0.10% 0.10% $1.00 $0 to $2,499.99 - Monthly Monthly
$2,500.00 to $24,999.99 0.79% 0.80% $1.00 $2,500.00 - $24,999.99 - Monthly Monthly
$25,000.00 to $49,999.99 0.84% 0.85% $1.00 $25,000.00 - $49,999.99 - Monthly Monthly
$50,000.00 to $99,999.99 0.89% 0.90% $1.00 $50,000.00 - $99,999.99 - Monthly Monthly
$100,000.00 to $249,999.99 0.94% 0.95% $1.00 $100,000.00 - $249,999.99 - Monthly Monthly
$250,000.00 - $499,999.99 0.99% 1.00% $1.00 $250,000.000 - $499,999.99 - Monthly Monthly
$500,000.00 and above 1.04% 1.05% $1.00 $500,000.00 and above - 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)99 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$0 - $2,499.99 0.10% 0.10% $1.00 $0 - $2,499.99 - Monthly Monthly
$2,500.00 to $24,999.99 0.79% 0.80% $1.00 $2,500.00 to $24,999.99 - Monthly Monthly
$25,000.00 to $49,999.99 0.84% 0.85% $1.00 $25,000.00 - $49,999.99 - Monthly Monthly
$50,000.00 to $99,999.99 0.89% 0.90% $1.00 $50,000.00 - $99,999.99 - Monthly Monthly
$100,000.00 to $249,999.99 0.94% 0.95% $1.00 $100,000.00 - $249,999.99 - Monthly Monthly
$250,000.00 - $499,999.99 0.99% 1.00% $1.00 $250,000.000 - $499,999.99 - Monthly Monthly
$500,000.00 and above 1.04% 1.05% $1.00 $500,000.00 and above - 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

0.05% 0.05% $1.00 Over $20,000 — Monthly Monthly

Qualifying Balances $0.00 - $20,00050

0.99% 1.00% $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 3.59% 3.65% $1,000.00 Monthly Monthly
6 months (jumbo) $50,000 and over 3.68% 3.75% $50,000.00 Monthly Monthly
12 months $1,000 to $49,999.99 4.41% 4.50% $1,000.00 Monthly Monthly
12 months (jumbo) $50,000 and over 4.50% 4.60% $50,000.00 Monthly Monthly
18 months $1,000 to $49,999.99 4.50% 4.60% $1,000.00 Monthly Monthly
18 months (jumbo) $50,000 and over 4.60% 4.70% $50,000.00 Monthly Monthly
24 months $1,000 to $49,999.99 4.56% 4.65% $1,000.00 Monthly Monthly
24 months (jumbo) $50,000 and over 4.65% 4.75% $50,000.00 Monthly Monthly
36 months $1,000 to $49,999.99 4.56% 4.65% $1,000.00 Monthly Monthly
36 months (jumbo) $50,000 and over 4.65% 4.75% $50,000.00 Monthly Monthly
48 months $1,000 to $49,999.99 4.26% 4.35% $1,000.00 Monthly Monthly
48 months (jumbo) $50,000 and over 4.36% 4.45% $50,000.00 Monthly Monthly
60 months $1,000 to $49,999.99 4.36% 4.45% $1,000.00 Monthly Monthly
60 months (jumbo) $50,000 and over 4.45% 4.55% $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 3.68% 3.75% $1,000.00 Monthly Monthly
12 Months $1,000 and over 4.50% 4.60% $1,000.00 Monthly Monthly
18 Months $1,000 and over 4.60% 4.70% $1,000.00 Monthly Monthly
24 Months $1,000 and over 4.65% 4.75% $1,000.00 Monthly Monthly
36 Months $1,000 and over 4.65% 4.75% $1,000.00 Monthly Monthly
48 Months $1,000 and over 4.36% 4.45% $1,000.00 Monthly Monthly
60 Months $1,000 and over 4.45% 4.55% $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 4.41% 4.50% $100.00 Monthly Monthly Monthly deposit of at least $50 required

Service Charges

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Service charges are accurate as of 5/1/2023 and subject to change at any time.

Fee Description Fee Amount
High Yield Checking Account Service Charge

$4.95 per month if the monthly qualifications are not met5

Fresh Start Checking Account Service Charge

$9.00 per month
Club Savings Account Excessive Withdrawal Service Charge

$5.00 per withdrawal after 1 per month
Secure Checking Account Service Charge

$5 per month

Fee Description Fee Amount
Premium Business Checking Account Service Charge

$7.00 per month if minimum balance is not maintained or not enrolled in Merchant Services, Payroll Management, or Remote Desktop Deposit81

Premium Business Checking Account Excessive In-Branch Item Charge

$0.25 per in-branch item over 150 per month82

Organization Checking Account Excessive Item Service Charge

$0.25 per item over 100 per month32

Fee Description Fee Amount

Card Replacement Service Charge

$7.00 per card
Overdraft Transfer Service Charge

$5.00 per transfer

Courtesy Pay Service Charge

$30.00 per paid item (waived for consumer transactions $5.00 or less)

Insufficient Funds (NSF) Service Charge90

$30.00 (waived for consumer transactions $5.00 or less)
Stop Payment Service Charge

$30.00 per item

Third Party Return Deposit Item (RDI) Service Charge

$15.00 per item
First Party Return Deposit Item (RDI) Service Charge

$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 Service Charge

$2.00 per item

Items Sent for Collection

$20.00 per item  plus third party service charges

Domestic Wire Transfer Service Charge (in Digital Banking)

$20.00

Domestic Wire Transfer Service Charge (Walk-In)

$25.00

Foreign Wire Transfer Service Charge (in Digital Banking)

$40.00
Foreign Wire Transfer Service Charge (Walk-In)

$45.00 plus any corresponding bank charges

Cashier's Check

$5.00 per check
Travel Card

$9.50 per item

Reloadable Card

$4.95 each
Gift Card $3.95 each

Paper Statement Processing Service Charge

$5.00 per statement (not applicable to members under age 18 and age 65 or over)

Statement Copy Service Charge

$5.00 per statement
Check Copy Service Charge

$3.00 per item

Account Activity Printout

$5.00 per printout

Account Reconciliation

$25.00 per hour ($25.00 minimum)

Account Research

$25.00 per hour ($25.00 minimum)

Inactive Account Service Charge100

$5.00 every 30 days
Notary Service (Non-Members)

$6.00

IRA Transfer Service Charge

$30.00
Account Closure Service Charge

$15.00 per account if closed within 6 months of opening

Returned Mail / Bad Address Service Charge

$7.00 per month

Verification of Deposit Requests

$10.00 per completed form
Check Cashing Service Charge (Members)

2% of check amount (service charge waived with minimum $250 aggregate account balance or loan)
Check Cashing Service Charge (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 Service Charge (Members)

3% of total amount of coins exchanged

Coin Exchange / Coin Machine Service Charge (Non-Members)

7% of total amount of coins exchanged

Contact 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

Loan Payment Coupon Service Charge

$10 per coupon set

Credit Card Balance Transfer Fee During Introductory or Promotional Periods

5% of transfer amount

Expedited Shipping Service Charge

$30.00

Tax Levy or Garnishment Service Charge

$50.00

Lost Title or Release of Lien Replacement Service Charge

$15.00

Credit or Debit Card Loan Payment Service Charge

$7.00 per payment

Over-the-Phone Loan Payment Service Charge

$15.00 per payment

Signature Guarantee Service Charge

$25

Fee Description Fee Amount

Business Analysis Account Maintenance Service Charge

$19.00 per month

Uncollected Funds Charge

2% of pending amount

Insufficient Funds (NSF) Service Charge90

$30.00

Returned Deposited Item Service Charge

$10.00 per item

Stop Payment Service Charge

$30.00 per item

Incoming Domestic Wire Transfer Service Charge

$15.00

Outgoing Domestic Wire Transfer Service Charge

$25.00

International Wire Transfer Service Charge

$50.00

Cashier's Check Service Charge

$3.00 per check

Remote Desktop Deposit Service Charge

$50.00 per month

Sweep Service Charge

$50.00 per month

Zero Balance Service Charge

$40.00 per month

ATM/Debit Card Transaction Service Charge

$0.20 per item

ACH/Electronic Debit Service Charge

$0.20 per item

Cash Withdrawal Service Charge

$0.20 per item

In-Branch Deposit Service Charge

$0.25 per item

ACH Credit/Deposit Service Charge

$0.15 per item