Deposit Accounts

Personal Checking & Savings

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Student Checking
CCTC
Secure
Checking
 NOW
Secure Checking		 MMDA Go Green Secure Checking Savings Christmas Club Super Saver
Minimum Deposit to Open $25 $25 $500 $500 $25 $25 $5
Rewards and Benefits
$1.00 bonus for an A or B on a report card (must have proof of grade); up to $10.00 a calendar year deposited directly to account.

 Benefits Interest Paid Monthly
Additional
Benefits		 Interest Paid Monthly Interest Paid Monthly; Rate raises to 0.50% with 20 debit card swipes per statement cycle
Additional
Benefits


Account Features Free Online Banking; Free monthly statements; Free Bill Pay service Free Online Banking; Complimentary Money Orders; One Foreign ATM Fee Refund per Statement Cycle; One Free Box of Checks per Year Free Online Banking; Complimentary Money Orders; One Foreign ATM Fee Refund per Statement Cycle; One Free Box of Checks per Year
Free Online Banking; Complimentary Money Orders; One Foreign ATM Fee Refund per Statement Cycle


Minimum Balance Requirement
to avoid service charge
$1500 $2500 Withdrawal Limitations See More info below $500


Debit Card


Interest Rate Information Non Interest Bearing Account Non Interest Bearing Account Contact
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Online Banking


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CCTC Secure Checking

The following fees apply to this account:

Overdraft Fee - $37.50 each item each time presented.

NSF Returned Item Fee - $37.50 each item each time presented.

FREE Online Bill Pay service with eStatements.

See any account representative for complete account disclosures.
NOW Secure Checking

Rate Information: This Account is an interest bearing account. At our discretion, we may change the interest rate on the account at any time. Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: You must maintain a minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield.

Account Fees: A service charge of $6.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

The following fees apply to this account:

Overdraft Fee - $37.50 each item each time presented.

NSF Returned Item Fee - $37.50 each item each time presented.

See any account representative for complete account disclosures.
MMDA

Rate Information: This Account is an interest bearing account. At our discretion, we may change the interest rate on the account at any time. Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: You must maintain a minimum average daily balance of $500.00 to obtain the disclosed annual percentage yield.

A $5 service charge will be imposed for each withdrawal in excess of six during a statement cycle.

The following fees apply to this account:

Overdraft Fee - $37.50 each item each time presented.

NSF Returned Item Fee - $37.50 each item each time presented.

See any account representative for complete account disclosures.
Go Green Secure Checking

Rate Information: This Account is an interest bearing account. At our discretion, we may change the interest rate on the account at any time. Interest will be compounded monthly and will be credited to the account monthly.

$3,000 daily debit card transaction limit.

FREE Online Bill Pay service with eStatements.

$3 monthly service charge if average daily balance falls below $500.

$12 per month paper statement fee if you are not enrolled in eStatements.

Earn higher interest on your account by swiping your debit card at least 20 times per statement cycle.

The following fees apply to this account:

Overdraft Fee - $37.50 each item each time presented.

NSF Returned Item Fee - $37.50 each item each time presented.

See any account representative for complete account disclosures.
Student Checking

For Students up to age 22

$1.00 bonus for an A or B on a report card (must have proof of grade); up to $10.00 a calendar year deposited directly to account.:

The following fees apply to this account:

Overdraft Fee - $15.00 each item each time presented.

NSF Returned Item Fee - $15.00 each item each time presented.

See any account representative for complete account disclosures.
Savings

Rate Information: This Account is an interest bearing account. At our discretion, we may change the interest rate on the account at any time. Interest will be compounded quarterly and will be credited to the account quarterly.

See any account representative for complete account disclosures. 
Christmas Club
Rate Information:  This Account is an interest bearing account. At our discretion, we may change the interest rate on the account at any time. Interest will be compounded at annual payout and will be credited to the account at annual payout.
 
See any account representative for complete account disclosures. 
Super Saver

Rate Information: This Account is an interest bearing account. At our discretion, we may change the interest rate on the account at any time. Interest will be compounded semi-annually and will be credited to the account semi-annually.


See any account representative for complete account disclosures.