Truth in Savings Disclosure

ULTIMATE RELATIONSHIP CHECKING ACCOUNT

Minimum balance to open the account — You must deposit $25.00 to open this account.
Rate Information — Your interest rate is variable and the annual percentage yield may be changed at any time at our discretion.
Compounding and crediting frequency — Interest will be compounded every statement cycle. Interest will be credited to your account every statement cycle
Minimum balance to obtain the annual percentage yield disclosed — You must maintain a minimum balance of $500.00 in the account each day of the statement cycle to obtain the disclosed annual percentage yield.
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 of the statement cycle.
Accrual of interest on non-cash deposits — Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Minimum balance to avoid the imposition of fees — In order to avoid Maintenance fees you must maintain a minimum aggregate balance of $10,000.00 in this and/or any other combination of deposit and/or loan accounts with us.
Fees — There are no Per Check charges. A Maintenance fee of $15.00 will be imposed for every statement cycle that you do not maintain the required aggregate minimum balances.
* May be subject to additional fees for Overdrafts or items returned for Non-sufficient Funds (NSF Returned Item Fee).

ULTIMATE INTEREST CHECKING ACCOUNT

Minimum balance to open the account — You must deposit $25.00 to open this account.
Rate Information — Your interest rate is variable and the annual percentage yield may be changed at any time at our discretion.
Compounding and crediting frequency — Interest will be compounded every statement cycle. Interest will be credited to your account every statement cycle.
Minimum balance to obtain the annual percentage yield disclosed — You must maintain a minimum balance of $500.00 in the account each day of the statement cycle to obtain the disclosed annual percentage yield.
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 of the statement cycle.
Accrual of interest on non-cash deposits — Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Minimum balance to avoid imposition of fees — You must maintain a minimum balance of $500.00 in the account each day of the statement cycle to avoid Maintenance and Per Check fees.
Fees — If the daily balance in your account falls below the minimum required balance on any day during the statement cycle a Maintenance fee of $5.00 will be imposed for the cycle and an additional Per Check fee of $.20 will be charged for each check paid during the cycle.
* May be subject to additional fees for Overdrafts or items returned for Non-sufficient Funds (NSF Returned Item Fee).

ULTIMATE FREE CHECKING ACCOUNT

Minimum balance to open the account — You must deposit $25.00 to open this account.
Minimum balance to avoid imposition of fees — No minimum balance is required.
Fees — No Maintenance or Per Check fees. We will charge you a $2.00 per month fee if you request check images with your paper statement.
* May be subject to additional fees for Overdrafts or items returned for Non-sufficient Funds (NSF Returned Item Fee).

ULTIMATE GOLD CHECKING
(Available to customers 60 years of age or older)

Minimum balance to open the account — You must deposit $25.00 to open this account.
Rate Information — Your interest rate is variable and the annual percentage yield may be changed at any time at our discretion.
Compounding and crediting frequency — Interest will be compounded every statement cycle. Interest will be credited to your account every statement cycle.
Minimum balance to obtain the annual percentage yield disclosed — You must maintain a minimum balance of $500.00 in the account each day of the statement cycle to obtain the disclosed annual percentage yield.
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 of the statement cycle.
Accrual of interest on non-cash deposits — Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Fees — No Per Check or Maintenance fees.
* May be subject to additional fees for Overdrafts or items returned for Non-sufficient Funds (NSF Returned Item Fee).

HEALTH SAVINGS ACCOUNT

Minimum balance to open the account — You must deposit $25.00 to open this account.
Rate Information — Your interest rate is tiered and the annual percentage yield is based on the daily balance that you maintain in your account. This rate and the annual percentage yield applied to this balance is variable and may be changed at any time at our discretion.**
Compounding and crediting frequency — Interest will be compounded every statement cycle. Interest will be credited to your account every statement cycle.
Minimum balance to obtain the annual percentage yield disclosed — No minimum balance is required to obtain the lowest disclosed annual percentage yield.
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 first business day after the banking day you deposit non cash items (for example, checks).
Fees — A Maintenance fee of $3.00 will be imposed every statement cycle.
*May be subject to additional fees for Overdrafts or items returned for Non-sufficient Funds (NSF Returned Item Fee).

MONEY MARKET SAVINGS ACCOUNT

Minimum balance to open the account — You must deposit $50.00 to open this account.
Rate Information — Your interest rate is tiered and the annual percentage yield is based on the daily balance that you maintain in your account. This rate and the annual percentage yield applied to these balances are variable and may be changed at any time at our discretion.**
Compounding and crediting frequency — Interest will be compounded every month. Interest will be credited to your account every month.
Minimum balance to obtain the annual percentage yield disclosed — You must maintain a minimum balance of $15.00 in the account each day to obtain the lowest disclosed annual percentage yield.
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 of the statement cycle.
Accrual of interest on non-cash deposits — Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Transaction limitations – Transfers from a Money Market Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
Minimum balance to avoid imposition of Fees — You must maintain a minimum balance of $1,000.00 each day of the statement cycle to avoid monthly Maintenance fees.
Fees — A monthly Maintenance fee of $10.00 will be imposed if your account balance falls below the daily minimum balance requirement on any day during the statement cycle.
*May be subject to additional fees for Overdrafts or items returned for Non-sufficient Funds (NSF Returned Item Fee).

ADVANTAGE SAVINGS ACCOUNT

Minimum balance to open the account — You must deposit $50.00 to open this account.
Rate Information — Your interest rate is variable and the annual percentage yield may be changed at any time at our discretion.
Compounding and crediting frequency — Interest will be compounded every quarter. Interest will be credited to your account every quarter.
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 of the statement cycle.
Accrual of interest on non-cash deposits — Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Minimum balance to obtain the annual percentage yield disclosed — You must maintain a minimum balance of $15.00 in the account each day of the quarter to obtain the disclosed annual percentage yield.
Transaction limitations Transfers from a Advantage Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
Minimum balance to avoid imposition of fees — You must maintain a minimum balance of $200.00 each day of the month to avoid monthly Maintenance fees.
Fees — A monthly Maintenance fee of $3.00 will be imposed if your account balance falls below the daily minimum balance requirement on any day during the month.
*May be subject to additional fees for Overdrafts or items returned for Non-sufficient Funds (NSF Returned Item Fee).

THRIFT SAVINGS ACCOUNT

Minimum balance to open the account — You must deposit $50.00 to open this account.
Rate Information — Your interest rate is variable and the annual percentage yield may be changed at any time at our discretion.
Compounding and crediting frequency — Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Minimum balance to obtain the annual percentage yield disclosed — You must maintain a minimum balance of $15.00 in the account each day of the quarter to obtain the disclosed annual percentage yield.
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 of the quarter.
Accrual of interest on non-cash deposits — Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Transaction limitations — Transfers from a Thrift Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
Minimum balance to avoid imposition of fees — You must maintain a minimum balance of $50.00 in the account each day of the month to avoid monthly Maintenance Fees.
Fees — A monthly Maintenance fee of $2.00 will be imposed if your account balance falls below the daily minimum balance requirement on any day of the month
*May be subject to additional fees for Overdrafts or items returned for Non-sufficient Funds (NSF Returned Item Fee).

COMMON FEATURES

We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing checking account other than a time deposit, or from any other savings account as defined by Regulation D. We reserve the right to charge a fee of $25.00 if you close your savings or checking account within six months from the date it was opened.

* Per Item Overdraft and NSF Returned Item Fees are imposed for Overdrafts created by, or NSF returns resulting from; checks, drafts, withdrawals made in-person, through ATM, via ACH debits or by other electronic means, as applicable. These fees apply to both checking and savings accounts and may be subject to change from time to time.

** Interest rates and resulting Annual Percentage Yields are based upon minimum balance thresholds (Tiers) established by the bank for these accounts. Refer to our rate sheet for current rate and minimum balance information.

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Bank Among Friends
Disclaimer
No
Yes

The Fair Housing Act prohibits discrimination in housing because of:

Mission

Enforce the Fair Housing Act and other civil rights laws to ensure the right of equal housing opportunity and free and fair housing choice without discrimination based on race, color, religion, sex, national origin, disability or family composition.

Major Goals

1. Reduce discrimination in housing by doubling the Title VIII case load by the end of 2000 through aggressive enforcement of civil rights and fair housing laws;

2. Promote geographic mobility for low-income and minority households;

3. Integrate fair housing plans into HUD's Consolidated Plans;

4. Further fair housing in other relevant programs of the Federal government; and

5. Promote substantial equivalency among state, local and community organizations involved in providing housing.