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1. Interest will be calculated using the Daily Balance Method, credited, and compounded monthly. The Daily Balance Method means the application of a daily periodic rate to the full amount of principal in the account each day. If the account is closed before the accrued interest is credited to your account, you will not receive the accrued interest.
2. We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Once you open your account, you may not make any additional deposits into your account before maturity. An early withdrawal penalty will apply if you withdraw any or all the deposited funds before the maturity date. The fee imposed will equal 1 month of interest for CD term 6 months or less and will equal 3 months of interest for CD term more than 6 months on the amount withdrawn.
3. The Monthly Maintenance Service Charge will be waived if the accounts maintain an Average Daily Balance no less than the opening deposit amount. The Average Daily Balance is calculated by taking the aggregate daily account balance and dividing it by the number of calendar days in the statement cycle.
4. Each Money Market and Savings Account product is limited to a maximum combined total of six (6) withdrawals and transfer transactions (e.g., by check, ACH, telephone, internet) from an account per monthly statement cycle of at least a four (4) week period. This limitation does not apply to withdrawals made at a branch, or by mail (by check payable and mailed to you), or by messenger. An Excess Transaction Fee of $10.00 will be accessed for each transaction that exceeds this limit. This excess transaction fee applies regardless of your account balance.

Effective July 1, 2024. For more detailed information, see Deposit Agreements and Disclosures and Deposit Rate Sheet. Products, services, interest rates and fees are subject to change. You may visit FDIC Electronic Deposit Insurance Estimator (EDIE) to find out how much your deposits are insured https://edie.fdic.gov/index.html.