Business Money Market & Savings Accounts

Premium Money Market Account**

Provides a premium return on your investable balances with tiered rates. Funds are accessible through Internet, ATM card, CheckCard or personal check. Immediate access to cash available through unlimited ATM and in-person teller withdrawals. Premium MMA rates are comparable to CDs for balances greater than $50,000.

Money Market Account**

Our Money Market Account yields a higher interest rate than the Super NOW checking account when balance is $25,000 or greater. Tiered interest rates based upon deposit level. Funds accessible through Internet, ATM card, CheckCard or personal check.

Business Savings Account**

Enjoy tiered interest rates... as the balance in your account increases, so does your interest rate. Quarterly statements. Funds assessable through ATM card.

Business Certificates of Deposit

Basic Certificate of Deposit

For a minimum deposit of $2,000 you can invest in one of our Basic CDs*. Terms range from thirty days to five years. Tiered interest rates based upon deposit level and term.

Open-End Certificate of Deposit

With our Open-End CD*, you can enjoy the flexibility of a savings account, while your deposit earns a certificate of deposit rate. Deposits and weekly withdrawals may be made during the 120-day term, without penalty for early withdrawal. Tiered interest rates based upon deposit level. Minimum deposit of $25,000.

*An interest penalty may be imposed for early withdrawals.

We often negotiate Special Rates based on your total banking relationship. For more information, contact your Account Officer or a Customer Service Representative.

Balance & Rate Information Applicable to Money Market and Savings Accounts

• $100 minimum balance to open account
• We use the average available balance method to calculate the minimum balance for service charges applicable to your account.
• We use the average available balance method to calculate interest on your account. This method applies a periodic rate to the average available balance in the account for the statement cycle.
• The interest rate and annual percentage yield (APY) may change at any time, at the bank's discretion.
• Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
• Interest is credited monthly at the end of each statement cycle.
• If you close your account before interest is credited, you will not receive the accrued interest.

Fees & Charges Applicable to Money Market and Savings Accounts

Premium Money Market Accounts

• $10.00 monthly service charge applies if minimum balance falls below $50,000
• $5.00 excessive transaction fee per item over six per statement cycle

Money Market Accounts

• $10.00 monthly maintenance fee applies if minimum balance falls below $5,000
• $5.00 excessive transaction fee per item over six per statement cycle

Savings Accounts

• $3.00 monthly maintenance fee applies if minimum balance falls below $500
• $3.00 excessive transaction fee per item over two per statement cycle

Transaction Limits Applicable to Money Market and Savings Accounts

**Check-writing and other transfers/withdrawals are restricted by Federal regulation to six per month on Money Market and Savings Accounts.