JOY (Just Older Youth) CHECKING
This account is for our valued customers 50 years of age and over. It requires an average balance of $100.00 to avoid a $7.50 monthly service charge. To obtain the disclosed annual percentage yield, you must maintain an average balance of $500.00. It offers free checks (standard wallet or duplicate checks) or a $5.00 credit on your check order, common carrier accidental death insurance, credit card protection, lost key ring protection, Sojourns Travel Magazine, nationwide discount book, travel savings, notary service and photocopies.
JOY PLUS CHECKING
JOY Plus Checking members enjoy added privileges of no minimum balance required, 24-hour accidental death insurance, discount on eyewear, identity theft insurance, money orders, medical emergency data card, auto trip routing, discounted safe deposit boxes, and much more — all for only $5.00 a month. You are also eligible to receive interest on this account by maintaining an average balance of $1,000.00.
If you are looking for a simplified, regular checking account for your everyday needs, this one is for you. All that is required is a $100.00 minimum opening deposit; and then by maintaining an average monthly balance of $100.00, you avoid a $5.00 service fee.
BEST VALUE CHECKING (BVC)
Looking for your “Best Value” in checking? Our BVC account offers free standard wallet or duplicate checks, money orders, travelers discount, photocopies, notary service and no minimum balance - all for $6.00 per month.
NOW CHECKING (Interest Bearing)
Unlimited check writing and electronic withdrawals on this account by maintaining a minimum average balance of $500.00 to avoid a $5.00 service fee. Maintain an average balance of $1,000.00 to obtain the disclosed annual percentage yield.
Available on deposit accounts upon qualification.
CERTIFICATES OF DEPOSIT
Make your savings work for you by investing in our competitive rate certificates. Invest from 3 to 84 months and be sure to check out our Certificate Specials.
An opening deposit of $100.00 will get you started. If you are a minor under 18 years of age, the minimum deposit is $1.00. Interest is compounded quarterly. A minimum balance fee will be imposed each month that the average balance falls below $100.00. There is no minimum balance fee for minors under 18 years of age. You may also link this account to your personal checking for overdraft protection.
MONEY MARKET SAVINGS
Earn competitive rates when saving for the future. Open a Money Market Savings Account with a minimum opening deposit of $1,000.00. Interest is compounded monthly. A minimum balance of $1,000.00 is required to obtain the disclosed annual percentage yield. You may make 6 pre-authorized transfers per month. A minimum balance fee will be imposed each month that the average balance falls below $500.00.
Get the most for your money with the flexibility of a savings account. This account will be indexed to the 182-Day Treasury Bill and will be adjusted on a monthly basis. The interest rate for your deposit will be determined by the balance in your account each day - the higher your balance, the higher your rate of interest. Interest is compounded quarterly. Open the account with a deposit of $10,000.00 and maintain a minimum average monthly balance of $5,000.00 to avoid a monthly fee.
IRA (Individual Retirement Account)
This will help you plan for the golden years. Start saving now and watch it grow. There are some rules with this one so check with one of our customer service representatives to see if this is for you.
Our business checking accounts allow you to help control your cost by giving an earnings credit on your collected available balance. For details, please check with one of our customer service representatives.
INTEREST RATES ON INTEREST BEARING ACCOUNTS ARE AVAILABLE UPON REQUEST.
THIS IS GENERAL INFORMATION ONLY. FOR OTHER DETAILS, FEES, CHARGES, AND PENALTIES, CONTACT ONE OF OUR CUSTOMER SERVICE REPRESENTATIVES.
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