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PERSONAL DEPOSIT ACCOUNTS

1-11-2018 Rates

YAMPA VALLEY CHECKING

  • No monthly fee – No minimum balance
  • First check order FREE
  • Unlimited check writing privileges
  • Monthly statements
  • ATM/Debit Card access FREE
  • Optional imaged checks for $7/mo
  • Minimum opening deposit of $100 required

Senior Checking (55+)

  • Free imaged checks in statement
  • Free Custom Creations checks

Teen Checking (14-18 yrs old)

  • Must be joint with parent or legal guardian
  • Debit Card available with lower limits

PERSONAL MERIT CHECKING

  • No monthly service charge if total daily balances combined in checking, savings, and CD remain above $2,500 or outstanding loan balances remains above $5,000 ($10/mo otherwise)
  • Tiered interest rate
  • Unlimited check writing
  • Monthly statements
  • Imaged checks
  • ATM/Debit Card access FREE
  • Minimum opening deposit of $100 required

MONEY MARKET CHECKING

  • No monthly service charge if total daily balances remain above $2,000 ($10.00/ mo otherwise)
  • Tiered interest rate
  • Monthly statements
  • Imaged Checks
  • $10.00 charge per pre-authorized withdrawal over six per month; unlimited withdrawals allowed in-person, by mail or by messenger
  • Minimum opening balance of $2,000 required

PRIME SAVINGS

  • No monthly service charge if daily balance remains above $100 ($5/monthly otherwise)
  • Tiered interest rate
  • Quarterly statements
  • Minimum opening balance of $100 required
  • $2.00 charge per pre-authorized withdrawal over six per month; unlimited withdrawals are allowed in-person, by mail or by ATM

MINOR SAVINGS

  • No service charges
  • Minimum opening deposit of $25 required (no minimum balance thereafter)
  • Primary holder of the account must be under 18 years of age
  • Quarterly statements
  • Parent or guardian also required on account
  • Limit one account per minor
  • Limited to six pre-authorized withdrawals per month; unlimited withdrawals allowed in person, by mail or ATM

PREMIER MONEY MARKET CHECKING

  • Premium tiered interest rates on a balances over $100,000
  • No monthly service charge if daily balance remains above $2,000 ($10.00/mo otherwise)
  • Monthly statements
  • Imaged checks
  • $10.00 charge per pre-authorized withdrawal over six per month; unlimited withdrawals allowed in-person, by mail or by ATM
  • Minimum opening balance of $2,000 required

TIME CERTIFICATES

FIXED RATED CERTIFICATES*

  • Minimum opening deposit of $1,000
  • Terms available from one month up to 60 months
  • Certificates are automatically renewed
  • *Interest compounded daily. Penalty may apply for early withdrawal

PRIME RATE CERTIFICATES*

  • Opening deposit of $1,000 is required
  • Certificate matures in one year, automatically renewed
  • Floating rate certificate is tied to an index below Wall Street Journal prime rate
  • Rate tiered based on balance
  • You may add to the certificate at any time.
  • *Interest compounded daily. Penalty may apply for early withdrawal

IRA CERTIFICATES*

  • Minimum opening deposit of $100
  • Automatically renewed
  • Additions to certificate permitted
  • *Interest compounded daily. Penalty may apply for early withdrawal

ROTH AND TRADITIONAL IRAS*

  • Minimum opening deposit of $100 required.
  • Automatically renewed
  • Additions to certificate permitted (Minimum of $100)
  • *Interest compounded daily. Penalty may apply for early withdrawal.

HSAs

  • The Healthy Way to Save
  • Health Savings Accounts (HSAs) are a tax-free way to pay for qualified out-of-pocket medical expenses associated with a high deductible insurance plan. Ask one of our Account Representatives for a detailed explanation and brochure.
  • $20.00 set up fee for non customers, waived for customers
  • FREE Debit Card (Optional)
  • No Transaction Fees
  • Check printing fee will be based on quantity and type of check ordered
  • Tiered Interest Rate