Classic Share Draft Checking

Basic checking option providing convenient services.

  • $25.00 minimum deposit
  • FREE Online Banking and Bill Payer access
  • FREE Mobile Banking with Mobile Deposit
  • FREE eStatement processing
  • FREE Debit Card through SUM Program with REWARDS ScoreCard 

*Restrictions apply.

Effective Date: Sunday, September 15, 2019

Classic Share Draft Checking

Minimum TierMaximum TierDividend RateAPY*
N/AN/AN/AN/A

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

Includes FREE Online Banking and Bill Payer access.

Includes FREE eStatement processing.

Includes 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
  • Unlimited ATM fees waived while an active high school student with parent/guardian as co-signer or college student up to age 24
  • Requires FREE eStatement processing
  • Requires FREE Debit Card through SUM Program with REWARDS Score Card.
  • $250 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: Sunday, September 15, 2019

Smart Start Share Draft Checking

Minimum TierMaximum TierDividend RateAPY**
$250.00N/A0.05%0.05%

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

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

Unlimited ATM Fees Waived 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 statement processing.

Rewards Share Draft Checking

Earn a higher dividend rate while performing everyday transactions.

  • $50.00 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 acquired ATM fees per month
  • Includes FREE first set of BASIC checks; Restrictions may apply
  • 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: Sunday, September 15, 2019

Rewards Share Draft Checking

Tier"Rewards" Dividend RateAPY**NON "Rewards" Dividend RateAPY**
Up to the first $25,000.001.98%2.00%0.00%0.00%
Remaining balances over $25,000.000.49%0.50%0.00%0.00%

**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 first set of BASIC checks; Restrictions may 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
  • Includes FREE first set of BASIC checks; Restrictions may apply!
  • FREE Online Banking and Bill Payer access
  • FREE eStatement processing.
  • FREE Mobile Banking with Mobile Deposit
  • FREE Debit Card through SUM Program with REWARDS Score Card.
  • $500 minimum balance to earn dividends

*Restrictions apply.

Effective Date: Sunday, September 15, 2019

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 first set of BASIC checks; Restrictions may apply!

Includes FREE Online Banking and Bill Payer access.

Includes 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
  • $15.00 monthly fee
  • Requires FREE eStatement processing
  • Requires Direct Deposit
  • FREE Online Banking and Bill Payer access
  • 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: Sunday, September 15, 2019

Second Chance Share Draft Checking

Minimum TierMaximum TierDividend RateAPY**
N/AN/AN/AN/A

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

A $15.00 monthly fee is assessed for this account.

Requires FREE e-Statement processing.

Requires Direct Deposit.

Includes FREE Online Banking and Bill Pay access.

Reported closures may not exceed $1,000.00 for authorized account opening.

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.

Classic Now Money Market Account

Competitive dividend rates promote financial growth.

  • $100 minimum deposit
  • $500 minimum balance to earn dividends
  • Balances below $5,000.00 are assessed a $20.00 monthly service charge
  • Allows 6 FREE transactions per month; $10.00 per item thereafte

Effective Date: Sunday, September 15, 2019

*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.