Rates & Service Charges

Savings Rates

Primary Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY1

Minimum Balance to Open

$5

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Secondary Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY1

Minimum Balance to Open

None

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Discovery Youth Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY1

Minimum Balance to Open

$5

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Business Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY1

Minimum Balance to Open

$5

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Nonprofit Organization Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY1

Minimum Balance to Open

$5

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Holiday Club Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY2

Minimum Balance to Open

$5

Minimum Balance to Earn APY

$5

Dividend Rate

0.30%

APY2

0.30%

Health Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY1

Minimum Balance to Open

$5

Minimum Balance to Earn APY

$5

Dividend Rate

0.10%

APY1

0.10%

IRA Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY1

Minimum Balance to Open

$25

Minimum Balance to Earn APY

$100 - $49,999.99

Dividend Rate

0.30%

APY1

0.30%

Minimum Balance to Open

$25

Minimum Balance to Earn APY

$50,000 and over

Dividend Rate

0.59%

APY1

0.60%

Coverdell ESA Savings Account Rate

Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY1

Minimum Balance to Open

$25

Minimum Balance to Earn APY

$100 - $49,999.99

Dividend Rate

0.30%

APY1

0.30%

Minimum Balance to Open

$25

Minimum Balance to Earn APY

$50,000 and over

Dividend Rate

0.59%

APY1

0.60%

High-Yield Checking Rates

High Yield Checking Rates

Required Balance to Earn APY Dividend Rate APY3

Required Balance to Earn APY

$0 - $20,000 (Qualifying)

Dividend Rate

0.99%

APY3

1.00%

Required Balance to Earn APY

$20,000.01 and over (Qualifying)

Dividend Rate

0.05%

APY3

0.05%

Required Balance to Earn APY

$0 and over (Non-Qualifying)

Dividend Rate

0.01%

APY3

0.01%

Money Market Rates

Money Market Rates

Required Balance to Earn APY Dividend Rate APY4

Required Balance to Earn APY

$0 - $2,499.99

Dividend Rate

0.10%

APY4

0.10%

Required Balance to Earn APY

$2,500 - $24,999.99

Dividend Rate

0.99%

APY4

1.00%

Required Balance to Earn APY

$25,000 - $49,999.99

Dividend Rate

1.04%

APY4

1.05%

Required Balance to Earn APY

$50,000 - $99,999.99

Dividend Rate

1.09%

APY4

1.10%

Required Balance to Earn APY

$100,000 - $249,999.99

Dividend Rate

1.14%

APY4

1.15%

Required Balance to Earn APY

$250,000 - $499,999.99

Dividend Rate

1.19%

APY4

1.20%

Required Balance to Earn APY

$500,000 and above

Dividend Rate

1.24%

APY4

1.25%

Business Money Market Rates

Required Balance to Earn APY Dividend Rate APY4

Required Balance to Earn APY

$0 - $2,499.99

Dividend Rate

0.10%

APY4

0.10%

Required Balance to Earn APY

$2,500 - $24,999.99

Dividend Rate

0.99%

APY4

1.00%

Required Balance to Earn APY

$25,000 - $49,999.99

Dividend Rate

1.04%

APY4

1.05%

Required Balance to Earn APY

$50,000 - $99,999.99

Dividend Rate

1.09%

APY4

1.10%

Required Balance to Earn APY

$100,000 - $249,999.99

Dividend Rate

1.14%

APY4

1.15%

Required Balance to Earn APY

$250,000 - $499,999.99

Dividend Rate

1.19%

APY4

1.20%

Required Balance to Earn APY

$500,000 and above

Dividend Rate

1.24%

APY4

1.25%

Certificate of Deposit Rates

Certificate of Deposit Rates

Term in Months Required Balance to Open & Earn APY Dividend Rate APY5

Term in Months

6 - 60
- - -

Term in Months

6 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.88%

APY5

5.00%

Term in Months

6 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

4.98%

APY5

5.10%

Term in Months

9 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

5.12%

APY5

5.25%

Term in Months

12 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.98%

APY5

5.10%

Term in Months

12 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

5.08%

APY5

5.20%

Term in Months

13 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

5.41%

APY5

5.55%

Term in Months

18 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.84%

APY5

4.95%

Term in Months

18 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

4.93%

APY5

5.05%

Term in Months

24 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.55%

APY5

4.65%

Term in Months

24 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

4.65%

APY5

4.75%

Term in Months

36 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.55%

APY5

4.65%

Term in Months

36 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

4.65%

APY5

4.75%

Term in Months

48 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.26%

APY5

4.35%

Term in Months

48 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

4.36%

APY5

4.45%

Term in Months

60 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.36%

APY5

4.45%

Term in Months

60 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

4.45%

APY5

4.55%

IRA Certificate of Deposit Rates

Term in Months Required Balance to Open & Earn APY Dividend Rate APY5

Term in Months

6 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.98%

APY5

5.10%

Term in Months

12 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

5.08%

APY5

5.20%

Term in Months

18 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.93%

APY5

5.05%

Term in Months

24 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.65%

APY5

4.75%

Term in Months

36 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.65%

APY5

4.75%

Term in Months

48 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.36%

APY5

4.45%

Term in Months

60 Month

Required Balance to Open & Earn APY

$1,000 and over

Dividend Rate

4.45%

APY5

4.55%

Bump Up CD Rates

Term in Months Required Balance to Open & Earn APY Dividend Rate APY5

Term in Months

12 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.98%

APY5

5.10%

Term in Months

12 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

5.08%

APY5

5.20%

Term in Months

18 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.84%

APY5

4.95%

Term in Months

18 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

4.93%

APY5

5.05%

Smart Growth CD Rate

Term in Months Required Balance to Open & Earn APY Dividend Rate APY5

Term in Months

12 Month

Required Balance to Open & Earn APY

$100 and over

Dividend Rate

4.98%

APY5

5.10%

Loan Rates

Auto Loan Rates

Term in Months Rate (APR) As Low As6 Monthly Payment Per $1,000

Term in Months

Up to 36

Rate (APR) As Low As6

6.64%

Monthly Payment Per $1,000

$30.72-$30.72

Term in Months

37 - 48

Rate (APR) As Low As6

6.64%

Monthly Payment Per $1,000

$23.79 - $23.79

Term in Months

49 - 60

Rate (APR) As Low As6

6.64%

Monthly Payment Per $1,000

$19.64 - $19.64

Term in Months

61 - 72

Rate (APR) As Low As6

6.64%

Monthly Payment Per $1,000

$16.88 - $16.88

Term in Months

73 - 84

Rate (APR) As Low As6

6.84%

Monthly Payment Per $1,000

$15.02 - $15.02

Recreational Auto Loan Rates

Term in Months Rate (APR) As Low As7 Monthly Payment Per $1,000

Term in Months

Up to 60

Rate (APR) As Low As7

8.39%

Monthly Payment Per $1,000

$20.47 - $20.47

Term in Months

61 - 72

Rate (APR) As Low As7

8.39%

Monthly Payment Per $1,000

$17.73 - $17.73

Term in Months

73 - 120

Rate (APR) As Low As7

8.39%

Monthly Payment Per $1,000

$12.35 - $12.35

Term in Months

121 - 132

Rate (APR) As Low As7

8.64%

Monthly Payment Per $1,000

$11.77 - $11.77

Term in Months

133 - 144

Rate (APR) As Low As7

8.89%

Monthly Payment Per $1,000

$11.33 - $11.33

Motorcycle, Jet Ski, ATV, Riding Lawn Mower, or Tractor Loan Rates

Term in Months Rate (APR) As Low As7 Monthly Payment Per $1,000

Term in Months

Up to 60

Rate (APR) As Low As7

8.55%

Monthly Payment Per $1,000

$20.55

Furniture, Appliance, or Computer Secured Loan

Term in Months Rate (APR) As Low As8 Monthly Payment Per $1,000

Term in Months

Up to 36

Rate (APR) As Low As8

6.25%

Monthly Payment Per $1,000

$30.62 - $30.62

Personal Loan Rates

Term in Months Rate (APR) As Low As8 Monthly Payment Per $1,000

Term in Months

Up to 60

Rate (APR) As Low As8

11.99%

Monthly Payment Per $1,000

$22.25

Credit Card & LOC Rates

Personal Line of Credit Rates

Minimum Rate (APR)8 Maximum Rate (APR)8

Minimum Rate (APR)8

8.99%

Maximum Rate (APR)8

17.39%

VISA Credit Card Rate

Minimum Rate (APR)9 Maximum Rate (APR)9 Intro Rate (APR)

Minimum Rate (APR)9

11.99%

Maximum Rate (APR)9

18.00%

Intro Rate (APR)

0%

Cash Back Visa Credit Card Rate

Minimum Rate (APR)10 Maximum Rate (APR)10

Minimum Rate (APR)10

17.99%

Maximum Rate (APR)10

17.99%

Secured Loans Rate

Savings Secured Loan

Term in Months Rate (APR)8

Term in Months

Up to 120

Rate (APR)8

Share Rate + 3%

CD Secured Loan

Term in Months Rate (APR)8

Term in Months

6 - 60

Rate (APR)8

CD Rate + 3%

Checking & Savings Account Fees

Checking and Saving Service Charges

Description Amount

Description

High Yield Checking Account Service Charge

Amount

$4.95 per month if the monthly qualifications are not met11

Description

Fresh Start Checking Account Service Charge

Amount

$9.00 per month

Description

Club Savings Account Excessive Withdrawal Service Charge

Amount

$5.00 per withdrawal after 1 per month

Description

Secure Checking Account Service Charge

Amount

$5 per month

Business & Organization Account Fees

Business and Organization Service Charges

Description Amount

Description

Premium Business Checking Account Service Charge

Amount

$7.00 per month if minimum balance is not maintained or not enrolled in a business service12

Description

Premium Business Checking Account Excessive In-Branch Item Charge

Amount

$0.25 per in-branch item over 150 per month13

Description

Organization Checking Account Excessive Item Service Charge

Amount

$0.25 per item over 100 per month14

General Services Fees

General Service Charges

Description Amount

Description

Card Replacement Service Charge

Amount

$7.00 per card

Description

Overdraft Transfer Service Charge

Amount

$5.00 per transfer

Description

Courtesy Pay Service Charge

Amount

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

Description

Insufficient Funds (NSF) Service Charge15

Amount

$30.00 (waived for consumer transactions $5.00 or less)

Description

Stop Payment Service Charge

Amount

$30.00 per item

Description

Third Party Return Deposit Item (RDI) Service Charge

Amount

$15.00 per item

Description

First Party Return Deposit Item (RDI) Service Charge

Amount

$30.00 per item

Description

Invalid MICR Line Processing

Amount

$2.00 per item

Description

Temporary Checks

Amount

$4.00 per sheet of 8 checks

Description

Foreign (Non-First Service) ATM Service Charge

Amount

$2.00 per item

Description

Items Sent for Collection

Amount

$20.00 per item plus third party service charges

Description

Domestic Wire Transfer Service Charge (in Digital Banking)

Amount

$20

Description

Domestic Wire Transfer Service Charge (Walk-In)

Amount

$25

Description

Foreign Wire Transfer Service Charge (in Digital Banking)

Amount

$40

Description

Foreign Wire Transfer Service Charge (Walk-In)

Amount

$45.00 plus any corresponding bank charges

Description

Cashier's Check

Amount

$5.00 per check

Description

Travel Card

Amount

$9.50 per item

Description

Reloadable Card

Amount

$4.95 each

Description

Gift Card

Amount

$3.95 each

Description

Paper Statement Processing Service Charge

Amount

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

Description

Statement Copy Service Charge

Amount

$5.00 per statement

Description

Check Copy Service Charge

Amount

$3.00 per item

Description

Account Activity Printout

Amount

$5.00 per printout

Description

Account Reconciliation

Amount

$25.00 per hour ($25.00 minimum)

Description

Account Research

Amount

$25.00 per hour ($25.00 minimum)

Description

Inactive Account Service Charge16

Amount

$5.00 every 30 days

Description

Notary Service (Non-Members)

Amount

$6

Description

IRA Transfer Service Charge

Amount

$30

Description

Account Closure Service Charge

Amount

$15.00 per account if closed within 6 months of opening

Description

Returned Mail / Bad Address Service Charge

Amount

$7.00 per month

Description

Verification of Deposit Requests

Amount

$10.00 per completed form

Description

Check Cashing Service Charge (Members)

Amount

2% of check amount (service charge waived with minimum $250 aggregate account balance or loan)

Description

Check Cashing Service Charge (Non-Members)

Amount

2% of total check amount or $10.00 whichever is greater (includes checks drawn from First Service accounts)

Description

Change / Rolled Coin Order

Amount

$2.50

Description

Coin Exchange / Coin Machine Service Charge (Members)

Amount

3% of total amount of coins exchanged

Description

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

Amount

7% of total amount of coins exchanged

Description

Contact Center Assisted Phone Requests

Amount

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

Description

Business Remote Desktop Deposit

Amount

$50.00 per month

Description

Business Sweep Services

Amount

$50.00 per month

Description

Business Zero Balance Service

Amount

$40.00 per month

Description

Loan Payment Coupon Service Charge

Amount

$10 per coupon set

Description

Credit Card Balance Transfer Fee During Introductory or Promotional Periods

Amount

5% of transfer amount

Description

Expedited Shipping Service Charge

Amount

$30

Description

Tax Levy or Garnishment Service Charge

Amount

$50

Description

Lost Title or Release of Lien Replacement Service Charge

Amount

15

Description

Credit or Debit Card Loan Payment Service Charge

Amount

$7.00 per payment

Description

Over-the-Phone Loan Payment Service Charge

Amount

$15.00 per payment

Description

Signature Guarantee Service Charge

Amount

$25

Business Analysis Account Fees

Business Analysis Service Charges

Description Amount

Description

Business Analysis Account Maintenance Service Charge

Amount

$19.00 per month

Description

Uncollected Funds Charge

Amount

2% of pending amount

Description

Insufficient Funds (NSF) Service Charge90

Amount

30

Description

Returned Deposited Item Service Charge

Amount

$10.00 per item

Description

Stop Payment Service Charge

Amount

$30.00 per item

Description

Incoming Domestic Wire Transfer Service Charge

Amount

$15

Description

Outgoing Domestic Wire Transfer Service Charge

Amount

$25

Description

International Wire Transfer Service Charge

Amount

$50

Description

Cashier's Check Service Charge

Amount

$3.00 per check

Description

Remote Desktop Deposit Service Charge

Amount

$50.00 per month

Description

Sweep Service Charge

Amount

$50.00 per month

Description

Zero Balance Service Charge

Amount

$40.00 per month

Description

ATM/Debit Card Transaction Service Charge

Amount

$0.20 per item

Description

ACH/Electronic Debit Service Charge

Amount

$0.20 per item

Description

Cash Withdrawal Service Charge

Amount

$0.20 per item

Description

In-Branch Deposit Service Charge

Amount

$0.25 per item

Description

ACH Credit/Deposit Service Charge

Amount

$0.15 per item