Savings

Basic Statement Share Account

Save money and have access to all the products and services we offer. Our Basic Statement Share Account is a simple savings solution.

$5.00 minimum deposit
Includes Online Banking and Bill Payer access.
Includes eStatement processing.
Includes FREE ATM Card through SUM Program.

Effective Date: Wednesday, October 4, 2023

Basic Passbook or Statement Share Account
Minimum Tier/Balance	Maximum Tier	Dividend Rate	APY*
$100.00	Unlimited	0.05%	0.05%

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

ATM Card also available.

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Advantage Statement Share Account

Higher account balances provide you with an increased dividend rate.

$50,000 minimum deposit - balances below this minimum assessed a $30.00 monthly service charge
Requires e-Statement account processing.
Advantage Share Account requires an ACTIVE share draft account.
Includes FREE Online Banking and Bill Payer access.
FREE ATM Card through SUM Program.

Effective Date: Wednesday, October 4, 2023

Advantage Statement Share Account
Minimum Tier/Balance	Maximum Tier	Dividend Rate	APY*
$50,000.00	Unlimited	0.10%	0.10%

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

Requires e-statement account processing. Advantage Share Account requires an ACTIVE share draft account.

Balances below $50,000.00 are assessed a $30.00 monthly service charge.

Includes FREE Online Banking and Bill Payer access.

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

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Credit Builder Statement Share Account

Secured funds are retained as collateral for the life of the Credit Builder loan, helping you to establish or reestablish credit.

$500 minimum deposit
Credit Builder loan secured funds are retained as collateral for the life of the Credit Builder loan. Loan secured funds are released upon the successful completion of the loan terms and regular timely payments

Effective Date: Wednesday, October 4, 2023

Credit Builder Statement Share Account
Minimum Tier/Balance	Maximum Tier	Dividend Rate	APY*
$500.00	Unlimited	N/A	N/A

*APY: Annual Percentage Yield. Fees may reduce earnings on accounts. Minimum balance will earn APY. Rate may change after account opening.

Credit Builder loan secured funds are retained as collateral for the life of the Credit Builder loan; loan secured funds are released upon successful completion of the loan terms and regular timely payment.

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Savings Is Fun Statement Share Account

A savings option designed for our younger savers.

$5.00 initial deposit
Account automatically converts to a L-U-S-O Statement Share Account when account holder reaches age 12.

Effective Date: Wednesday, October 4, 2023

Savings is Fun Statement Share Account
Minimum Balance	Maximum Tier	Dividend Rate	APY*
$5.00	Unlimited	0.05%	0.05%

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

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L-U-S-O Statement Share Account

This account offers increased financial flexibility for students entering middle school or higher grades.

$5.00 minimum deposit
Requires eStatement processing*
Access to surcharge-free SUM^® ATMs
FREE Mobile Banking with Mobile Deposit**

* Student accounts are excluded from this requirement.

**Age qualification applies.

Effective Date: Wednesday, October 4, 2023

L-U-S-O Statement Share Account
Minimum Tier/Balance	Maximum Tier	Dividend Rate	APY***
$100.00	Unlimited	0.05%	0.05%

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

Requires e-statement account processing. School banking accounts are excluded from this requirement.

Age qualification applies.

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IRA Statement Share Account

Complement your retirement savings plan.

$250.00 minimum deposit
Interest withdrawals are penalty-free
Annual contribution limits apply
$500 minimum balance to earn dividends

Effective Date: Wednesday, October 4, 2023

IRA Statement Share Account
Minimum Tier/Balance	Maximum Tier	Dividend Rate	APY*
$250.00	$499.99	N/A	N/A
500.00	$4,999.99	0.05%	0.05%
$5,000.00	$9,999.99	0.10%	0.10%
$10,000.00	$49,999.99	0.15%	0.15%
$50,000.00	$99,999.99	0.20%	0.20%

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

Annual contribution limits apply.

Interest withdrawals are penalty free.

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Club Accounts

Set money aside for the holidays, vacations, or other life expenses.

$5.00 minimum deposit
Set your weekly savings amount

Effective Date: Wednesday, October 4, 2023

Club Account
Account Type	Minimum Tier/Balance	Maximum Tier	Dividend Rate	APY*
50 Week Club	$5.00	Unlimited	N/A	N/A
LUSO's Club Account	$5.00	Unlimited	N/A	N/A

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

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Savings

Basic Statement Share Account

Basic Passbook or Statement Share Account

Advantage Statement Share Account

Advantage Statement Share Account

Credit Builder Statement Share Account

Credit Builder Statement Share Account

Savings Is Fun Statement Share Account

Savings is Fun Statement Share Account

L-U-S-O Statement Share Account

L-U-S-O Statement Share Account

IRA Statement Share Account

IRA Statement Share Account

Club Accounts

Club Account

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