Savings Accounts

• No minimum balance requirements apply to this account.
• You may make unlimited deposits into your account.
• We may change the interest rate for this account.
• Interest will be compounded quarterly and credited to this account quarterly.
• Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
• Interest will begin to accrue on the first business day after the banking day you deposit non-cash items (for example, checks) into your account.

* According to Federal Regulation "D" electronic and phone transfers from savings are limited to 6 per month.