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

Compounding and crediting frequency: Interest will be compounded every quarter. Interest will be credited to your account every quarter.

Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account: You must deposit $1,500.00 to open this account.

Daily balance computation 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 non-cash deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Minimum balance to avoid imposition of fees: If your balance falls below $1,500.00 on any day in the monthly statement cycle, we will impose a base charge fee of $15.00 once during the statement cycle.

Transaction limitations:
Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, debit card, or similar order to third parties.