Money Market Accounts A great way to invest your money and still have the flexibility of withdrawing the funds whenever you need them. You need to maintain an average daily balance of $2,500.00 and the number of withdrawals is limited. Transfers from a money market deposit account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per statement cycle with no more than three by check, draft or similar order to third parties. Money Market Account Interest Rate APY* 1.00% 1.00% *No monthly service charge. If the average daily balance falls below te $2,500.00, the interest rate paid on the account is reduced to .25% APR with a .25% APY. *APY = Annual Percentage Yield The Average daily balance is determined by adding the ending balance of each day and dividing the number of days in the period. *Fees may reduce earnings on the account. Please visit one of our offices at Shelbina or Clarence to open your account today! Tiered Money Market Accounts Another great way to invest your money and get great rates while having the flexibility of withdrawing the funds whenever you need them. This account has a variable rate depending on what the daily balance is. The account is divided into four different rate tiers. Interest Rate APY* $2,500.00 to $9,999.99 1.00% 1.00% $10,000.00 to $24,999.99 1.00% 1.00% $25,000.00 to $49,999.99 1.00% 1.00% $50,000.00 to $9,999,999.99 1.00% 1.00% *APY = Annual Percentage Yield The interest rate is subject to change every two weeks. *No monthly service charge. If the average daily balance falls below te $2,500.00, the interest rate paid on the account is reduced to .25% APR with a .25% APY. The Average daily balance is determined by adding the ending balance of each day and dividing the number of days in the period. *Fees may reduce earnings on the account. Please visit one of our offices at Shelbina or Clarence to open your account today! Savings Accounts *Earn competitive interest *Quarterly statements *No service charge as long as an average daily balance of $500.00 is maintained for the quarterly statement cycle. If the average daily balance for the quarter is less than the $500.00, the service charge for the quarter will be $2.00. This fee does not apply to sudents (maximum age of 25), to minors or those receiving a direct deposit at least once a month. Savings Account Interest Rate APY* 0.50% 0.50% *APY = Annual Percentage Yield Transfers from a passbook 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 third parties. The account is limited to four debit transactions per month. Anything in excess of four per month, will have a charge of $.50 per debit transaction. This fee is waived for minors and students (maximum age of 25). The Average daily balance is determined by adding the ending balance of each day and dividing the number of days in the period. *Fees may reduce earnings on the account. Please visit one of our offices at Shelbina or Clarence to open your account today! Christmas Club Account Want a good way to save for Christmas or pay those end of the years taxes? Open a Christmas Club account. If you make 49 consecutive and timely weekly payments, we make the 50th payment for you. Christmas Club accounts usually start the later part of October and end the first week of the following October. Accounts may be opened anytime after the October start date. If any withdrawals are made prior to the end date or if all payments have not been made, the 50th payment will not be credited to the account. Certificates of Deposit Term Interest Rate APY* 3 Months 6 Months 12 Months 24 Months 36 Months 48 Months 60 Months 1.00% 2.20% 2.65% 3.00% 3.15% 3.40% 3.50% 1.00% 2.22% 2.68% 3.04% 3.20% 3.45% 3.56% Minimum deposit on 3 month and 6 month certificates is $1,000.00. Minimum deposit on 1 year certificate and longer is $500.00. The penalty for early withdrawal on a 1 year certificate or less is 3 month's loss of interest. The penalty for early withdrawal on a certificate longer than 1 year is 6 month's loss of interest. *The Annual Percentage Yield (APY) is based on monthly compounding. Rates are subject to change without notice. IRA accounts have the same rates as the certificates of deposit. Member FDIC. Accounts may be set up single maturity or automatically renewable. All automatically renewable certificates have a 10 day grace period.