Classic Share Draft Checking

Basic checking option providing convenient services.

  • $10.00 minimum deposit
  • FREE basic checks for life*
  • FREE Online Banking and Bill Payer access
  • FREE Mobile Banking with Mobile Deposit
  • FREE VISA® Debit Card with ScoreCard Rewards
  • Access to surcharge-free SUM® and MoneyPass® ATMs
  • $500 minimum balance to earn dividends

*Restrictions apply.

Effective Date: Thursday, February 22, 2018

Classic Share Draft Checking

Minimum TierMaximum TierDividend RateAPY**
$500.00Unlimited0.05%0.05%

**APY: Annual Percentage Yield. Fees may reduce earnings on the account.

Includes FREE Basic Checks for life; Restrictions apply! FREE Debit Card through SUM Program with REWARDS Score Card.

Smart Start Share Draft Checking

Designed for high school and college students up to age 24.

  • $10.00 minimum deposit
  • Member MUST be in high school with parent/guardian as a co-signer or in college and under the age of 24 years to qualify
  • Maximum of $25.00 in ATM fees waived per month
  • Requires eStatement processing
  • FREE basic checks for life*
  • FREE Online Banking and Bill Payer access
  • FREE Mobile Banking with Mobile Deposit
  • FREE VISA® Debit Card with ScoreCard Rewards
  • Access to surcharge-free SUM® and MoneyPass® ATMs
  • $500 minimum balance to earn dividends
  • Account automatically converts to a Rewards Share Draft Checking Account when account holder reaches age 24

*Restrictions apply.

Effective Date: Thursday, February 22, 2018

Smart Start Share Draft Checking

Minimum TierMaximum TierDividend RateAPY**
$500.00N/A0.25%0.25%

**APY: Annual Percentage Yield. Fees may reduce earnings on the account.

Includes FREE Basic Checks for life; Restrictions apply! FREE Debit Card through SUM Program with REWARDS Score Card.

ATM Fees Waived up to a Maximum $25.00 per month while an active high school student with a parent or legal guardian as a co-signer or college student up to age 24; upon reaching the age limit of 24, the account will automatically convert to a “Rewards” Share Draft Checking account.

Requires FREE eStatement processing.

Rewards Share Draft Checking

Earn a higher dividend rate while performing everyday transactions.

  • $10.00 minimum deposit “Rewards” dividend rate qualifies with 12 debit transactions per statement cycle, a minimum of 1 direct deposit and/or ACH withdrawal per statement cycle, and eStatements
  • Reimbursement of up to $25.00 in ATM fees per month
  • FREE basic checks for life*
  • FREE Online Banking and Bill Payer access
  • FREE Mobile Banking with Mobile Deposit
  • FREE VISA® Debit Card with ScoreCard Rewards
  • Access to surcharge-free SUM® and MoneyPass® ATMs
  • If account fails to meet the ”Rewards” Share Draft Checking qualifications for 3 consecutive months, account will be automatically transferred to the Classic Share Draft Checking

*Restrictions apply.

Effective Date: Thursday, February 22, 2018

Rewards Share Draft Checking

Tier"Rewards" Dividend RateAPY**NON "Rewards" Dividend RateAPY**
Up to the first $25,000.001.49%1.50%0.05%0.05%
Remaining balances over $25,000.000.49%0.50%0.05%0.05%

**APY: Annual Percentage Yield. Fees may reduce earnings on the account.

“REWARDS” dividend rate qualifies with (12) debit transactions per statement cycle; a minimum of (1) direct deposit and/or ACH withdrawal per statement cycle; and, eStatement monthly electronic delivery.

Includes FREE Basic Checks for life; Restrictions apply! FREE Debit Card through SUM Program with REWARDS Score Card!

“Rewards” Share Draft Checking qualification will reimburse up to $25.00 in acquired ATM fees per month.

NOTE: If account fails to meet the ”Rewards” Share Draft Checking qualifications for 3 consecutive months, account will be automatically transferred to the Classic Share Draft Checking.

60 Plus Share Draft Checking

An account designed for our senior members.

  • $10.00 minimum deposit
  • Member MUST be 60 years of age or older to qualify
  • FREE basic checks for life*
  • FREE Bank Checks and Money Orders
  • FREE Online Banking and Bill Payer access
  • FREE Mobile Banking with Mobile Deposit
  • FREE VISA® Debit Card with ScoreCard Rewards
  • Access to surcharge-free SUM® and MoneyPass® ATMs
  • $500 minimum balance to earn dividends

*Restrictions apply.

Effective Date: Thursday, February 22, 2018

60 Plus Share Draft Checking

Minimum TierMaximum TierDividend RateAPY**
$500.00Unlimited0.05%0.05%

**APY: Annual Percentage Yield. Fees may reduce earnings on the account.

Member MUST be 60 years of age or older to qualify.

Includes FREE Basic Checks for life! Restrictions apply.

Includes FREE Bank Checks and Money Orders.

Includes FREE Debit Card through SUM Program with REWARDS Score Card.

Organic Share Draft Checking

Save paper and reduce waste with eStatements.

  • $10.00 minimum deposit
  • Requires FREE eStatement processing
  • FREE Online Banking and Bill Payer access
  • FREE Mobile Banking with Mobile Deposit
  • FREE VISA® Debit Card with ScoreCard Rewards
  • Access to surcharge-free SUM® and MoneyPass® ATMs
  • $500 minimum balance to earn dividends

Effective Date: Thursday, February 22, 2018

Organic Share Draft Checking

Minimum TierMaximum TierDividend RateAPY*
$500.00Unlimited0.10%0.10%

*APY: Annual Percentage Yield. Fees may reduce earnings on the account.

Includes FREE Online Banking and Bill Payer access.

Requires FREE eStatement processing.

Includes FREE Debit Card through SUM Program with REWARDS Score Card.

Second Chance Share Draft Checking

Everyone deserves a second chance.

  • $10.00 minimum deposit
  • $10.00 monthly fee
  • Requires FREE eStatement processing
  • Requires Direct Deposit
  • FREE Basic Checks for life*
  • FREE Online Banking and Bill Payer access
  • FREE Mobile Banking with Mobile Deposit
  • FREE Debit Card through SUM® and MoneyPass® Program for ATM transactions only
  • $200 minimum balance to earn dividends
  • This account is not eligible for Credit Union funded Overdraft Protection Services (OPS) or Remote Deposit Capture (RDC)
  • A request for transfer to another share draft checking account with OPS and/or RDC will be considered after 12 months based on a positive review of the account

*Restrictions apply.

Effective Date: Thursday, February 22, 2018

Second Chance Share Draft Checking

Minimum TierMaximum TierDividend RateAPY**
$200.00Unlimited0.10%0.10%

**APY: Annual Percentage Yield. Fees may reduce earnings on the account.

A $10.00 monthly fee is assessed for this account.

Requires FREE e-Statement processing.

Requires Direct Deposit.

Includes FREE Basic Checks for life; Restrictions apply! FREE Debit Card through SUM Program for ATM transactions only!

Includes FREE Online Banking and Bill Pay access.

This account is not eligible for Credit Union funded overdraft protection services.

A request for transfer to another share draft checking account will be considered after 12 months based on a review of the account.

Classic Now Money Market Account

Competitive dividend rates promote financial growth.

  • $50.00 minimum deposit
  • Balances below $5,000.00 are assessed a $15.00 monthly service charge
  • Allows 6 FREE transactions per month; $10.00 per item thereafter
  • FREE Online Banking and Bill Payer access
  • FREE Mobile Banking with Mobile Deposit
  • FREE VISA® Debit Card with ScoreCard Rewards
  • Access to surcharge-free SUM® and MoneyPass® ATMs
  • $200 minimum balance to earn dividends

Effective Date: Thursday, February 22, 2018

*APY: Annual Percentage Yield. Fees may reduce earnings on the account.

Balances below $5,000.00 are assessed a $15.00 monthly service charge.

NOW Money Market allows (6) FREE transactions per month; $10.00 per item thereafter.