Community Money Market

Rate Information - Your interest rate and annual percentage yield may change. 
Frequency of rate change - We may change the interest rate on your account any time.
 
Determination of rate - At our discretion, we may change the interest rate onyour account.
 
Compounding and crediting frequency - Interest will be compounded every month.  Interest will be credited to your account every month.
 
Minimum balance to open the account- You must deposit $2,500.00 to open this account.
 
Minimum balance to avoid imposition of fees:  A below balance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle.
 
Minimum balance to obtain the annual percentage yield: You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.
 
Determination of Rate: (Add) This account will earn a certain interest rate upon maintaining a balance of $2,500.00-$9,999.99, a higher interest rate upon maintaining a balance of $10,000.00-$24,999.99, and the maximum interest rate offered on this type of account upon maintaining a balance of $25,000 plus.
 
Daily balance compution method - We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
 
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
 
Transaction limitations - Transfers from a Community Money Market account to another account or to third parties by preauthorized, automatic, check, or telephone transfer are limited to six per quarter .
 
Fees: A per item fee of $5.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of six during a quarter.

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