Frequency of rate changes – We may change the interest rate on your account at any time.

Determination of rate – At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency checking and money market accounts – Interest will be compounded and credited to your account every month.

Compounding and crediting frequency savings accounts – Interest will be compounded and credited to your account every quarter.

Collected daily balance computation – We use the daily collected balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day.

Accrual of interest on non-cash deposits – Interest begins to accrue no later than the business day when we receive provisional credit for non-cash items you deposit (for example, checks).

Effect of closing an account – If you close your account before interest is credited, you will not receive accrued interest. A fee of $15.00 will be charged if you close any account within 90 days from the date you opened the account.

Transaction limitation – Refer to description of each product for associated fees on Savings and Money Market accounts