Deposit Rates

Print Deposit Rates

Rates are accurate as of 07/27/2020 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 0.40% 0.40% $2,500.00 $100,000.00 - $249,999.99 $10,000.00 Monthly Monthly
$2,500.00 to $24,999.99 0.20% 0.20% $2,500.00 $2,500.00 - $24,999.99 $10,000.00 Monthly Monthly
$25,000.00 to $49,999.99 0.30% 0.30% $2,500.00 $25,000.00 - $49,999.99 $10,000.00 Monthly Monthly
$250,000.00 and above 0.49% 0.50% $2,500.00 $250,000.00 and above $10,000.00 Monthly Monthly
$50,000.00 to $99,999.99 0.35% 0.35% $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 0.20% 0.20% $2,500.00 $2,500.00 - $24,999.99 $2,500.00 Monthly Monthly
$25,000.00 to $49,999.99 0.30% 0.30% $2,500.00 $25,000.00 - $49,999.99 $2,500.00 Monthly Monthly
$50,000.00 to $99,999.99 0.35% 0.35% $2,500.00 $50,000.00 - $99,999.99 $2,500.00 Monthly Monthly
$100,000.00 to $249,999.99 0.40% 0.40% $2,500.00 $100,000.00 - $249,999.99 $2,500.00 Monthly Monthly
$250,000.00 and above 0.49% 0.50% $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

1.49% 1.50% $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 0.30% 0.30% $1,000.00 Monthly Monthly
6 months (jumbo) $50,000 and over 0.40% 0.40% $50,000.00 Monthly Monthly
12 months $1,000 to $49,999.99 0.54% 0.55% $1,000.00 Monthly Monthly
12 months (jumbo) $50,000 and over 0.64% 0.65% $50,000.00 Monthly Monthly
18 months $1,000 to $49,999.99 0.59% 0.60% $1,000.00 Monthly Monthly
18 months (jumbo) $50,000 and over 0.69% 0.70% $50,000.00 Monthly Monthly
24 months $1,000 to $49,999.99 0.74% 0.75% $1,000.00 Monthly Monthly
24 months (jumbo) $50,000 and over 0.84% 0.85% $50,000.00 Monthly Monthly
36 months $1,000 to $49,999.99 0.89% 0.90% $1,000.00 Monthly Monthly
36 months (jumbo) $50,000 and over 0.99% 1.00% $50,000.00 Monthly Monthly
48 months $1,000 to $49,999.99 0.94% 0.95% $1,000.00 Monthly Monthly
48 months (jumbo) $50,000 and over 1.04% 1.05% $50,000.00 Monthly Monthly
60 months $1,000 to $49,999.99 1.09% 1.10% $1,000.00 Monthly Monthly
60 months (jumbo) $50,000 and over 1.19% 1.20% $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 0.40% 0.40% $1,000.00 Monthly Monthly
12 Months $1,000 and over 0.64% 0.65% $1,000.00 Monthly Monthly
18 Months $1,000 and over 0.69% 0.70% $1,000.00 Monthly Monthly
24 Months $1,000 and over 0.84% 0.85% $1,000.00 Monthly Monthly
36 Months $1,000 and over 0.99% 1.00% $1,000.00 Monthly Monthly
48 Months $1,000 and over 1.04% 1.05% $1,000.00 Monthly Monthly
60 Months $1,000 and over 1.19% 1.20% $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 07/27/2020 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 2.74% Up to 36 months $28.16
As low as 2.99% Up to 48 months $21.66
As low as 3.24% Up to 60 months $17.76
As low as 3.49% Up to 72 months $20,000 and up $15.19
As low as 3.74% Up to 84 months $35,000 and up $13.38

Annual Percentage Rate11 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 3.74% Up to 36 months $28.58
As low as 3.99% Up to 48 months $22.08
As low as 4.24% Up to 60 months $18.20
As low as 4.49% Up to 72 months $20,000 and up $15.63
As low as 4.74% Up to 84 months $35,000 and up $13.83

Annual Percentage Rate15 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 5.99% Up to 60 months $7,500 and under $18.97
As low as 6.24% Up to 72 months $7,501 - 15,000 $16.42
As low as 6.49% Up to 120 months $15,001 - 25,000 $11.23
As low as 6.74% Up to 132 months $25,001 - 35,000 $10.64
As low as 6.99% Up to 144 months $35,001 and greater $10.18

Annual Percentage Rate15 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 7.95% 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 Rate87 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 Rate87 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 5.74% 1-5 years Years $10,000 and up $19.22 at 5 years
As low as 5.99% 6-10 years Years $10,000 and up $11.11 at 10 years
As low as 6.24% 11-20 years Years $25,000 and up $7.31 at 20 years

Annual Percentage Rate87 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

Annual Percentage Rate87 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 3.75% 1-5 years Years $50,000 and up $18.31 at 5 years
As low as 4.24% 6-10 years Years $50,000 and up $10.25 at 10 years
As low as 4.74% 11-20 years Years $100,000 and up $6.46 at 20 years

Fees

Print Fees

Fees are accurate as of 07/27/2020 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

Money Market Account Service Charge

$10.00 per month if minimum balance is not maintained

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

Business Money Market Account Service Charge

$10.00 per month if minimum balance is not maintained

Organization Checking Account Excessive Item Service Charge

$0.25 per item over 100 per month32

Fee Description Fee Amount
Card Replacement Service Charge

$5.00 per card

Overdraft Transfer Service Charge

$5.00 per transfer

Courtesy Pay Service Charge

$30.00 per paid item

Insufficient Funds (NSF) Service Charge90

$30.00

Stop Payment Service Charge

$30.00 per item

Third Party Return Deposit Item (RDI) Service Charge

$10.00 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

$10.00 per item for foreign and domestic plus bank service charges

Domestic Wire Transfer Service Charge (in Online Banking)

$15.00

Domestic Wire Transfer Service Charge (Walk-In)

$20.00

Foreign Wire Transfer Service Charge (in Online Banking)

$40.00

Foreign Wire Transfer Service Charge (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 Service Charge

$3.00 per statement

Statement Copy Service Charge

$2.50 per statement

Check Copy Service Charge

$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 Service Charge (For Members with Paid-Off Indirect Loans)

$5.00 per month

Notary Service (Non-Members)

$6.00

IRA Transfer Service Charge

$5.00

Account Closure Service Charge

$15.00 per account if closed within 6 months of opening

Returned Mail / Bad Address Service Charge

$5.95 per month

Verification of Deposit Requests $2.00 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)

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 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