Super Savings
· $25.00 minimum to open account and earn interest. Interest Rate is subject to change after opening.
· If your balance falls below $25.00, there will be a $2.00 monthly service charge and you will receive no interest for that day.
· Limit six withdrawals per statement cycle should not be exceeded. There is a $2.50 charge per withdrawal over six.
· $10.00 charge for accounts closed within six months of opening date.

Christmas Club
· $1.00 minimum to open account.
· Maximum contribution is limited to $5,000.00, initial deposit can not exceed $1,000.
· You may not make withdrawals to this account without penalty prior to maturity.
· Interest is calculated on the average daily balance method.
· Interest will compound annually and be credited annually.
· $10.00 penalty or the amount of accrued interest (whichever is greatest) will be charged for early withdrawal. Accrued interest will not be paid.

Looney Tunes Minor Savings
· No minimum balance.
· Maintain a $25.00 balance and earn interest at current super savings interest rate. If your balance falls below $25.00, you will receive no interest for the statement cycle. Interest Rate is subject to change after opening.
· $10.00 charge for accounts closed within six months of opening date.
· $1.00 fee for each withdrawal over two per statement cycle, limit of 6 withdrawals per statement should not be exceeded.
· On minors 18th birthday, account is changed to Super Savings Account.

Money Market Plus
· $1,000.00 minimum balance.
· $10.00 charge and no interest paid each day balance falls below minimum. Interest Rate is subject to change after opening.
· Limited to six withdrawal transactions, no more than three can be third party checks per statement cycle.
· $10.00 charge for each transaction over withdrawal limits.
· Interest is paid and accrued based upon your average collected balance; the higher the balance the higher the rate. * Refer to Interest Rate Chart for interest rate details.

Certificates of Deposit
· Maturities from 90 days to 5 years.
· Minimum deposits are required.
· There may be a substantial interest penalty on CDs for early withdrawal.

18 MONTH FIXED RATE IRA & 5 YEAR VARIABLE RATE IRA
· $100.00 minimum balance.
· Interest calculated by the average daily balance method.
· Deposits can be made to these accounts on a regular basis up to the maximum allowable amount.