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Rates & Fees

April 3, 2013

Savings and Share Draft

 
APR
APY
Share Savings
0.15%
0.15%
Club Accounts
0.15%
0.15%
Interest Draft
0.08%
0.08%
Advantage Draft
0.10%
0.10%
IRA Shares
0.20%
0.20%


Money Market Rates

$2500.00 to $9999.99  $10,000.00 to $24,999.99  $25,000.00 to $45,999.99  $50,000.00 to $74,999.99  $75,000.00 to $99,999.00  $100,000.00+
 Rate/APY   Rate/APY   Rate/APY   Rate/APY   Rate/APY   Rate/APY
 0.15/0.15   0.20/0.20   0.25/0.25   0.25/0.25   0.27/0.27   0.33/0.33

 

Share Certificates

Suggested $500.00-
$9,999.99
$10,000.00-
$24,999.99
$25,000.00-
$49,999.99 
$50,000.00-
$74,999.99 
$75,000.00-
$99,999.99  
$100,000.00-
$149,999.99  
$150,000.00-
$199,999.99  
$200,000.00
and above

Rate/APY
Rate/APY
 
Rate/APY
Rate/APY
Rate/APY
Rate/APY
Rate/APY
Rate/APY
3 months
0.22% 0.22%
0.22% 0.22%
0.22% 0.22% 0.23% 0.23%  0.24% 0.24% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
6 months
0.25% 0.25%
0.25% 0.25%
0.25% 0.25%  0.25% 0.25%   0.26% 0.26%   0.26% 0.26%   0.26% 0.26%   0.26% 0.26%  
9 months
0.32% 0.32%
0.32% 0.32%
0.32% 0.32%  0.32% 0.32%   0.32% 0.32%   0.32% 0.32%   0.32% 0.32%   0.32% 0.32%  
12 months
0.60% 0.60%
0.60% 0.60%
0.60% 0.60%  0.60% 0.60%   0.62% 0.62%   0.65% 0.65%   0.65% 0.65%   0.65% 0.65%  
18 months
0.80% 0.80%
0.80% 0.80%
0.80% 0.80%   0.82% 0.82%   0.82% 0.82%   0.85% 0.85%   0.85% 0.85%   0.85% 0.85%  
24 months
0.95% 0.95%
0.95% 0.95%
0.97% 0.97%   0.97% 0.97%   0.98% 0.98%   1.00% 1.00%   1.08% 1.08%  1.10% 1.10% 
36 months
1.28% 1.28%
1.28% 1.28%
1.30% 1.30%  1.32% 1.32%   1.32% 1.32%   1.35% 1.35%   1.35% 1.35%   1.35% 1.35%  
48 months
1.50% 1.51%
1.50% 1.51%
1.52% 1.53%   1.54% 1.55%   1.54% 1.55%   1.58% 1.59%   1.58% 1.59%   1.58% 1.59%  
60 months
1.70% 1.71%
1.70% 1.71%
1.73% 1.74%   1.75% 1.76%   1.75% 1.76%   1.78% 1.79%   1.78% 1.79%   1.78% 1.79%  
APR=Annual Percentage Rate - APY=Annual Percentage Yield

ALPS Fee Schedule 

SHARE DRAFT ACCOUNT FEES
Return Draft Fee (per draft)
$20.00
Overdraft Fee from Visa Check Card (per item)
$20.00
Share Draft Stop Payment (per date of occurrence)
$20.00
Overdraft Protection (per transfer)
$2.00
Starter Checks (pack of 12)
   First pack of starter checks is FREE with your new checking account
$2.00
 
ATM FEES
ATM Overdraft (per transfer)
$2.00
VISA DEBIT CARD FEES
Replacement Card
$10.00
 
MISCELLANEOUS ACCOUNT SERVICES
Account Research (including Share Draft copies and deposited items)
$25.00/hour
Account Reconciliation $25.00/hour
Account Closure (if account less than 90 days old)
$10.00
Account Overdrafts (date of occurrence)
$20.00/item
Deposit Item Returned $2.00/item
ACH Stop Payment (per item)
$20.00/item
Domestic Wire Transfers
$20.00
International Wire Transfers
$40.00
ACH Setup $5.00
Cashier's Check (made payable to other than account owner)
   *First cashier's check per month is free
$3.00/check
Money Order
$1.50/item
Excessive Withdrawal (for all accounts except checking accounts) $3.00/withdrawal
Dormant Inactive Account (no activity for 1 full year) $10.00/year
Inactivity/Minimum Balance (inactive for more than 90 days with balance below $100.00. $0.00 balance accounts subject to closure) $5.00/month
Negative Balance (if negative for more than 4 consecutive days - account subject to closure) $5.00/day
Return Statement Mail $5.00/Statement
Return Other Mail $5.00/Month
Statement Reprint $5.00/Statement
Items Sent for Collection
$25.00/item
Legal Process $25.00/occurrence