Interest Checking

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NOW Account

  • MINIMUM BALANCE TO OPEN ACCOUNT: $500
  • MINIMUM BALANCE TO AVOID IMPOSITION OF FEES: A cycle service charge of $7 will be imposed every month if the daily balance falls below $500 any day of the month.
  • DEBIT CARD AVAILABLE (Subject to credit approval)
  • MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: The disclosed annual percentage yield will be paid on the average collected balance.
  • COMPOUNDING AND CREDITING FREQUENCY: Interest accrues daily and is compounded and credited the last business day of the monthly statement cycle.
  • EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited, you will not receive the accrued interest.

Master Gold NOW Account

  • MINIMUM BALANCE TO OPEN ACCOUNT: $10,000
  • DEBIT CARD AVAILABLE (Subject to credit approval)
  • MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: A minimum daily balance of $10,000 must be maintained in the account each day to obtain the annual percentage yield disclosed. We use the average daily balance method to calculate interest on this account.
  • COMPOUNDING AND CREDITING INTEREST: Interest accrues daily and is compounded and credited the last business day of the monthly statement cycle.
  • EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited, you will not receive the accrued interest.
  • MASTER GOLD NOW ACCOUNT MAINTENANCE FEE: $3.00 per month

Circle 60 Checking 

(Available to persons age 60 and over)

  • MINIMUM BALANCE TO OPEN ACCOUNT: $100
  • MINIMUM BALANCE TO AVOID IMPOSITION OF FEES: A cycle service charge of $7 will be imposed every month if the daily balance in the account falls below $600 any day of the month.
  • DEBIT / ATM CARD AVAILABLE (Subject to credit approval)
  • REAL TIME ONLINE BANKING
  • ELECTRONIC STATEMENTS: including images of checks
  • 24/7 TELEPHONE BANKING
  • FREE NOTARY SERVICE
  • FREE OFFICIAL CHECKS: less than $2,500.00
  • FREE MONEY ORDERS: maximum of 5 monthly
  • OVERDRAFT PROTECTION (available upon approval )
  • MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: The disclosed annual percentage yield will be paid on the average collected balance.
  • COMPOUNDING AND CREDITING FREQUENCY: Interest accrues daily and is compounded and credited the last business day of the monthly statement cycle.
  • EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited, you will not receive the accrued interest.
  • THESE EXCITING EXTRA BENEFITS ARE AUTOMATICALLY INCLUDED IN YOUR CIRCLE 60 ACCOUNT !
    • IDENTITY THEFT MONITORING
    • $10,000 ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
    • 20% DISCOUNT ON SAFETY DEPOSIT BOX
    • NO WIRE FEE

Money Market Account

  • MINIMUM BALANCE TO OPEN ACCOUNT: $1,000
  • MINIMUM BALANCE TO AVOID IMPOSITION OF FEES: A cycle service charge of $7 will be imposed every month if the daily balance in the account falls below $1,000 any day of the month. An excess withdrawal fee of $5 each will be imposed on all withdrawals over six (6) during a calendar month.
  • MINIMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: The disclosed annual percentage yield will be paid on the average collected balance.
  • COMPOUNDING AND CREDITING FREQUENCY: Interest accrues daily and is compounded and credited the last business day of the monthly statement cycle.
  • EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited, you will not receive the accrued interest.
  • TRANSACTION LIMITATIONS: With the exception of loan payments to us, you may not make more than six (6) preauthorized, automatic or telephone transfers (including telephone banking and bill pay, Internet banking and bill pay, and P.C. banking payments and transfers) each month. Of these six (6) allowable transfers, no more than three (3) may be made by check, draft, debit card, check card or similar order made by the depositor and payable to a third party (provided such transactions are allowed by us for your particular type of account).

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