Rates
Please note that the interest rates quoted are subject to revision daily and without prior written notice – for the most up-to-date information, give us a call at 410-546-1101 to speak with one of our local lending experts.
All loans are subject to credit approval.
Deposit Rates CD & IRA Rates Home Equity Rates Mortgage Rates
Deposit Rates
Interest rates effective as of November 1, 2025.
Checking Accounts
| Account Type | Minimum to Earn Interest | Term | Interest Rate | *Annual Percentage Yield (APY) |
|---|---|---|---|---|
Account Type Basic Checking | Minimum to Earn Interest This is a non-interest bearing account | Term no | Interest Rate This is a non-interest bearing account | *Annual Percentage Yield (APY) This is a non-interest bearing account |
Account Type eChecking | Minimum to Earn Interest This is a non-interest bearing account | Term no | Interest Rate This is a non-interest bearing account | *Annual Percentage Yield (APY) This is a non-interest bearing account |
Account Type NOW Checking | Minimum to Earn Interest $2,500.00 | Term No Term/Monthly Compounding | Interest Rate 0.05% | *Annual Percentage Yield (APY) 0.05% |
Account Type Super NOW Checking | Minimum to Earn Interest $5,000.00 | Term No Term/Monthly Compounding | Interest Rate 0.10% | *Annual Percentage Yield (APY) 0.10% |
Account Type Super NOW Checking | Minimum to Earn Interest $2,500.00 | Term No Term/Monthly Compounding | Interest Rate 0.05% | *Annual Percentage Yield (APY) 0.05% |
Account Type Non Profit NOW Checking | Minimum to Earn Interest $5,000.00 | Term no | Interest Rate 0.10% | *Annual Percentage Yield (APY) 0.10% |
Account Type Non Profit NOW Checking | Minimum to Earn Interest $2,500.00 | Term no | Interest Rate 0.05% | *Annual Percentage Yield (APY) 0.05% |
Account Type Community Checking | Minimum to Earn Interest This is a non-interest bearing account | Term no | Interest Rate This is a non-interest bearing account | *Annual Percentage Yield (APY) This is a non-interest bearing account |
Account Type Business Checking | Minimum to Earn Interest This is a non-interest bearing account | Term no | Interest Rate This is a non-interest bearing account | *Annual Percentage Yield (APY) This is a non-interest bearing account |
*Based upon funds being on deposit for one year at this rate. | **Fees could reduce earnings on this account
Please note: Rates may change after account opening.
Savings Accounts
| Account Type | Minimum to Earn Interest | Term | Interest Rate | *Annual Percentage Yield (APY) |
|---|---|---|---|---|
Account Type Statement Savings | Minimum to Earn Interest $ 200.00 | Term No Term/Monthly Compounding | Interest Rate 1.74% | *Annual Percentage Yield (APY) 1.75% |
Account Type Christmas Club | Minimum to Earn Interest $ 100.00 | Term No Term/Monthly Compounding | Interest Rate 0.50% | *Annual Percentage Yield (APY) 0.50% |
Account Type Money Market | Minimum to Earn Interest $ 2,500.00 | Term No Term/Monthly Compounding | Interest Rate 0.50% | *Annual Percentage Yield (APY) 0.50% |
Account Type Money Market | Minimum to Earn Interest $ 1,000.00 | Term No Term/Monthly Compounding | Interest Rate 0.05% | *Annual Percentage Yield (APY) 0.05% |
Account Type Gold Money Market | Minimum to Earn Interest $250,000.00 | Term No Term/Monthly Compounding | Interest Rate 1.49% | *Annual Percentage Yield (APY) 1.50% |
Account Type Gold Money Market | Minimum to Earn Interest $100,000.00 | Term No Term/Monthly Compounding | Interest Rate 1.00% | *Annual Percentage Yield (APY) 1.00% |
Account Type Gold Money Market | Minimum to Earn Interest $50,000.00 | Term No Term/Monthly Compounding | Interest Rate 0.75% | *Annual Percentage Yield (APY) 0.75% |
Account Type Gold Money Market | Minimum to Earn Interest $25,000.00 | Term No Term/Monthly Compounding | Interest Rate 0.50% | *Annual Percentage Yield (APY) 0.50% |
Account Type Gold Money Market | Minimum to Earn Interest $ 2,500.00 | Term No Term/Monthly Compounding | Interest Rate 0.50% | *Annual Percentage Yield (APY) 0.50% |
*Based upon funds being on deposit for one year at this rate. | **Fees could reduce earnings on this account
Please note: Rates may change after account opening.
CD & IRA Rates
Interest rates effective as of November 1, 2025.
Regular (CDs + IRAs)
| Term | Minimum to Open for CDs | Minimum to Open for IRAs | Interest Rate | *Annual Percentage Yield |
|---|---|---|---|---|
Term 3 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 1.99% | *Annual Percentage Yield 2.00% |
Term 6 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 3.70% | *Annual Percentage Yield 3.75% |
Term 12 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 3.46% | *Annual Percentage Yield 3.50% |
Term 18 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 3.21% | *Annual Percentage Yield 3.25% |
Term 24 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 2.97% | *Annual Percentage Yield 3.00% |
Term 36 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 2.72% | *Annual Percentage Yield 2.75% |
Term 48 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 2.72% | *Annual Percentage Yield 2.75% |
Term 60 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 2.97% | *Annual Percentage Yield 3.00% |
*Based upon funds being on deposit for one year at this rate.
Please note: A penalty may be imposed for early withdrawal.
Rising Rate (CDs + IRAs)
| Term | Minimum to Open for CDs | Minimum to Open for IRAs | Interest Rate | *Annual Percentage Yield |
|---|---|---|---|---|
Term 18 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 3.46% | *Annual Percentage Yield 3.50% |
Term 24 Months | Minimum to Open for CDs $10,000.00 | Minimum to Open for IRAs $10,000.00 | Interest Rate 3.21% | *Annual Percentage Yield 3.25% |
Term 60 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250 | Interest Rate 2.48% | *Annual Percentage Yield 2.50% |
*Based upon funds being on deposit for one year at this rate.
Please note:
- A penalty may be imposed for early withdrawal.
- Rates may change after account opening.
"Add To" (CDs Only)
| Term | Minimum to Open for CDs | Minimum to Open for IRAs | Interest Rate | *Annual Percentage Yield |
|---|---|---|---|---|
Term 12 Months | Minimum to Open for CDs $200.00 | Minimum to Open for IRAs N/A | Interest Rate 2.00% | *Annual Percentage Yield 2.00% |
Additional deposits may be made anytime during your Add-To CD’s term.
*Based upon funds being on deposit for one year at this rate.
Please note: A penalty may be imposed for early withdrawal.
Freedom (CDs + IRAs)
| Term | Minimum to Open for CDs | Minimum to Open for IRAs | Interest Rate | *Annual Percentage Yield |
|---|---|---|---|---|
Term 10 Months | Minimum to Open for CDs $500.00 | Minimum to Open for IRAs $250.00 | Interest Rate 1.99% | *Annual Percentage Yield 2.00% |
A one-time, penalty-free withdrawal may be made during the term.
*Based upon funds being on deposit for one year at this rate.
Please note: A penalty may be imposed for additional early withdrawals.
Home Equity Loan Rates
The following home equity loan rates are available for owner-occupied, single-family residences located within the Lower Eastern Shore of Maryland, Lower Delaware, and Accomack County, Virginia.
For home equity loan rates on manufactured housing, call 410-546-1101 today to speak with one of our local lending experts.
Rates & APR effective as of September 29, 2025.
First Lien
| Product | Max. Term | Interest Rate | APR | *Payment per $1,000.00 |
|---|---|---|---|---|
Product Fixed Rate | Max. Term 5 Yrs. | Interest Rate 6.000% | APR 6.052% | *Payment per $1,000.00 $19.33 |
Product Fixed Rate | Max. Term 10 Yrs. | Interest Rate 6.250% | APR 6.278% | *Payment per $1,000.00 $11.23 |
Product Fixed Rate | Max. Term 15 Yrs. | Interest Rate 6.500% | APR 6.520% | *Payment per $1,000.00 $8.71 |
Primary/Secondary Residence | Maximum Loan-to-Value: 80%
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
Appraisal Requirements:
- A Drive-By appraisal will be required for a Loan Amount less than $100,000.
- A Full Residential appraisal is required for a Loan Amount of $100,000 or more.
Second Lien
| Product | Max. Term | Interest Rate | APR | *Payment per $1,000.00 |
|---|---|---|---|---|
Product Fixed Rate | Max. Term 5 Yrs. | Interest Rate 7.000% | APR 7.053% | *Payment per $1,000.00 $19.80 |
Product Fixed Rate | Max. Term 10 Yrs. | Interest Rate 7.250% | APR 7.279% | *Payment per $1,000.00 $11.74 |
Product Fixed Rate | Max. Term 15 Yrs. | Interest Rate 7.500% | APR 7.521% | *Payment per $1,000.00 $9.27 |
Primary/Secondary Residence | Maximum Loan-to-Value: 80%
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
Appraisal Requirements:
- A Drive-By appraisal will be required for a Loan Amount less than $100,000.
- A Full Residential appraisal is required for a Loan Amount of $100,000 or more.
Mortgage Rates
The following mortgage rates are available for properties located within the Lower Eastern Shore of Maryland, Lower Delaware, and Accomack County, Virginia.
Rates & APR effective as of September 29, 2025.
Primary/Secondary Homes (includes Construction/Permanent)
| Product | Maximum Term | Rate | APR | *Payment per $1000 |
|---|---|---|---|---|
Product 1 Yr. ARM** | Maximum Term 30 years | Rate 5.750% | APR 6.484% | *Payment per $1000 $5.84 |
Product 3 Yr. ARM** | Maximum Term 30 years | Rate 5.750% | APR 6.353% | *Payment per $1000 $5.84 |
Product 5/1 Yr. ARM** | Maximum Term 30 years | Rate 5.250% | APR 6.102% | *Payment per $1000 $5.52 |
Product 10/1 Yr. ARM** | Maximum Term 15 years | Rate 5.500% | APR 5.870% | *Payment per $1000 $8.17 |
Product 10/1 Yr. ARM** | Maximum Term 30 years | Rate 5.750% | APR 6.136% | *Payment per $1000 $5.84 |
Product Fixed Rate | Maximum Term 10 years | Rate 5.250% | APR 5.663% | *Payment per $1000 $10.73 |
Product Fixed Rate | Maximum Term 15 years | Rate 5.500% | APR 5.792% | *Payment per $1000 $8.17 |
Product Fixed Rate | Maximum Term 20 years | Rate 6.000% | APR 6.236% | *Payment per $1000 $7.16 |
Product Fixed Rate | Maximum Term 30 years | Rate 6.000% | APR 6.177% | *Payment per $1000 $6.00 |
Maximum Loan-To-Value for Primary Residence and Second Homes = 90%
Maximum Loan-To-Value for Construction-Permanent Loans = 80%
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
**The interest rate on Adjustable Rate Mortgage (ARM) loans may increase after the loan has been consummated. For more information describing the features of Adjustable Rate Mortgages, please contact your nearest branch office.
Please note:
- 1/2 Point charged on ALL Construction/Permanent Loans.
- Inspection fees are required on construction loans.
Residential Investment Properties
| Product | Max. Term | Interest Rate | APR | Payment per $1000.00* |
|---|---|---|---|---|
Product 1 Yr. ARM** | Max. Term 30 Yrs. | Interest Rate 8.000% | APR 7.598% | Payment per $1000.00* $7.34* |
Product 3 Yr. ARM** | Max. Term 30 Yrs. | Interest Rate 8.250% | APR 7.696% | Payment per $1000.00* $7.51* |
Maximum Loan-To-Value for Residential Investment Properties = 80%
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
**The interest rate on Adjustable Rate Mortgage (ARM) loans may increase after the loan has been consummated. For more information describing the features of Adjustable Rate Mortgages, please contact your nearest branch office.
Unimproved Lots
| Product | Max. Term | Interest Rate | APR | *Payment per $1000.00 |
|---|---|---|---|---|
Product 1 Yr. ARM** | Max. Term 20 Yrs. | Interest Rate 7.250% | APR 7.577% | *Payment per $1000.00 $7.90 |
Product 3 Yr. ARM** | Max. Term 20 Yrs. | Interest Rate 7.500% | APR 7.564% | *Payment per $1000.00 $8.06 |
Product 5/1 Yr. ARM** | Max. Term 20 Yrs. | Interest Rate 7.750% | APR 7.805% | *Payment per $1000.00 $8.21 |
Maximum Loan-To-Value for Lot Loans = 75%
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
**The interest rate on Adjustable Rate Mortgage (ARM) loans may increase after the loan has been consummated. For more information describing the features of Adjustable Rate Mortgages, please contact your nearest branch office.
Manufactured Housing
We offer a wide range of financing options for manufactured housing, whether you’re seeking a loan for a home on leased land, or you’re looking to finance both the home and the land it is located on. Our rates are available for properties located within the Lower Eastern Shore of Maryland, Lower Delaware, and Accomack County, Virginia.
Manufactured Home Only Rates
Rates & APR effective as of November 21, 2025.
New & Current Year Homes
| Product | Down Payment | Max. Term | Interest Rate | APR | *Payment per $1,000.00 |
|---|---|---|---|---|---|
Product Fixed Rate | Down Payment 10% | Max. Term 15 Yrs. | Interest Rate 7.750% | APR 7.845% | *Payment per $1,000.00 $9.41 |
Product Fixed Rate | Down Payment 20% | Max. Term 15 Yrs. | Interest Rate 7.250% | APR 7.344% | *Payment per $1,000.00 $9.13 |
Product Fixed Rate | Down Payment 30% | Max. Term 15 Yrs. | Interest Rate 6.750% | APR 6.842% | *Payment per $1,000.00 $8.85 |
Product Fixed Rate | Down Payment 10% | Max. Term 20 Yrs. | Interest Rate 8.000% | APR 8.078% | *Payment per $1,000.00 $8.36 |
Product Fixed Rate | Down Payment 20% | Max. Term 20 Yrs. | Interest Rate 7.500% | APR 7.576% | *Payment per $1,000.00 $8.06 |
Product Fixed Rate | Down Payment 30% | Max. Term 20 Yrs. | Interest Rate 7.000% | APR 7.075% | *Payment per $1,000.00 $7.75 |
Product Fixed Rate | Down Payment 10% | Max. Term 25 Yrs. | Interest Rate 8.500% | APR 8.569% | *Payment per $1,000.00 $8.05 |
Product Fixed Rate | Down Payment 20% | Max. Term 25 Yrs. | Interest Rate 8.000% | APR 8.067% | *Payment per $1,000.00 $7.72 |
Product Fixed Rate | Down Payment 30% | Max. Term 25 Yrs. | Interest Rate 7.750% | APR 7.816% | *Payment per $1,000.00 $7.55 |
Primary/Secondary Homes
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
Maximum Loan Terms:
- 25 Years for new Double and Single Wide Homes
$575 Processing Fee Charged on all Manufactured Home-Only Loans Before Settlement
Used 1-30 Years Old Homes
| Product | Down Payment | Max. Term | Interest Rate | APR | *Payment per $1,000.00 |
|---|---|---|---|---|---|
Product Fixed Rate | Down Payment 10% | Max. Term 10 Yrs. | Interest Rate 8.000% | APR 8.133% | *Payment per $1,000.00 $12.13 |
Product Fixed Rate | Down Payment 20% | Max. Term 10 Yrs. | Interest Rate 7.500% | APR 7.631% | *Payment per $1,000.00 $11.87 |
Product Fixed Rate | Down Payment 30% | Max. Term 10 Yrs. | Interest Rate 6.750% | APR 6.879% | *Payment per $1,000.00 $11.48 |
Product Fixed Rate | Down Payment 10% | Max. Term 15 Yrs. | Interest Rate 8.250% | APR 8.346% | *Payment per $1,000.00 $9.70 |
Product Fixed Rate | Down Payment 20% | Max. Term 15 Yrs. | Interest Rate 7.750% | APR 7.845% | *Payment per $1,000.00 $9.41 |
Product Fixed Rate | Down Payment 30% | Max. Term 15 Yrs. | Interest Rate 7.250% | APR 7.344% | *Payment per $1,000.00 $9.13 |
Product Fixed Rate | Down Payment 10% | Max. Term 20 Yrs. | Interest Rate 8.500% | APR 8.579% | *Payment per $1,000.00 $8.68 |
Product Fixed Rate | Down Payment 20% | Max. Term 20 Yrs. | Interest Rate 8.250% | APR 8.328% | *Payment per $1,000.00 $8.52 |
Product Fixed Rate | Down Payment 30% | Max. Term 20 Yrs. | Interest Rate 7.500% | APR 7.576% | *Payment per $1,000.00 $8.06 |
Primary/Secondary Homes
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
Maximum Loan Terms:
- 20 Years for used Double and Single Wide Homes 1-30 years old
Up to 30 years old – The lesser of 90% of the Appraised Value or Sales Price plus taxes, fees and insurance.
$575 Processing Fee Charged on all Manufactured Home Only Loans Before Settlement
30 Years or Older
Need rates for a manufactured home-only loan for a home older than 30 years? Call 410-546-1101 to speak with one of our local lending experts today!
Manufactured Home + Land Rates
Rates & APR effective as of September 29, 2025.
Single Wide Primary/Secondary Homes + Land
| Product | Max. Term | Interest Rate | APR | *Payment per $1,000.00 |
|---|---|---|---|---|
Product 10/1 Yr. ARM** | Max. Term 15 Yrs. | Interest Rate 8.250% | APR 8.452% | *Payment per $1,000.00 $9.70 |
Product 10/1 Yr. ARM** | Max. Term 25 Yrs. | Interest Rate 8.500% | APR 8.310% | *Payment per $1,000.00 $8.05 |
Product Fixed Rate | Max. Term 10 Yrs. | Interest Rate 8.000% | APR 8.435% | *Payment per $1,000.00 $12.13 |
Product Fixed Rate | Max. Term 15 Yrs. | Interest Rate 8.250% | APR 8.566% | *Payment per $1,000.00 $9.70 |
Product Fixed Rate | Max. Term 20 Yrs. | Interest Rate 8.500% | APR 8.760% | *Payment per $1,000.00 $8.68 |
Product Fixed Rate | Max. Term 25 Yrs. | Interest Rate 8.500% | APR 8.727% | *Payment per $1,000.00 $8.05 |
Primary/Secondary Homes (Includes Construction/Permanent)
Maximum Loan-To-Value for Primary/Secondary Residence = 90%
Maximum Loan-To-Value for Construction/Permanent = 80%
Includes Homes with Titles Surrendered
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
**The interest rate on Adjustable Rate Mortgage (ARM) loans may increase after the loan has been consummated. For more information describing the features of Adjustable Rate Mortgages, please contact your nearest branch office.
Please note:
- 1/2 Point charged on ALL Construction/Permanent Loans.
- Inspection fees are required on construction loans.
Double Wide Primary/Secondary Homes + Land
| Product | Max. Term | Interest Rate | APR | *Payment per $1,000.00 |
|---|---|---|---|---|
Product 10/1 Yr. ARM** | Max. Term 15 Yrs. | Interest Rate 7.500% | APR 7.754% | *Payment per $1,000.00 $9.27 |
Product 10/1 Yr. ARM** | Max. Term 30 Yrs. | Interest Rate 7.750% | APR 7.659% | *Payment per $1,000.00 $7.16 |
Product Fixed Rate | Max. Term 10 Yrs. | Interest Rate 7.250% | APR 7.679% | *Payment per $1,000.00 $11.74 |
Product Fixed Rate | Max. Term 15 Yrs. | Interest Rate 7.500% | APR 7.809% | *Payment per $1,000.00 $9.27 |
Product Fixed Rate | Max. Term 20 Yrs. | Interest Rate 7.750% | APR 8.002% | *Payment per $1,000.00 $8.21 |
Product Fixed Rate | Max. Term 25 Yrs. | Interest Rate 8.000% | APR 8.221% | *Payment per $1,000.00 $7.72 |
Product Fixed Rate | Max. Term 30 Yrs. | Interest Rate 8.000% | APR 8.200% | *Payment per $1,000.00 $7.34 |
Primary/Secondary Homes (Includes Construction/Permanent)
Maximum Loan-To-Value for Primary/Secondary Residence = 90%
Maximum Loan-To-Value for Construction/Permanent = 80%
Includes Homes with Titles Surrendered
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
**The interest rate on Adjustable Rate Mortgage (ARM) loans may increase after the loan has been consummated. For more information describing the features of Adjustable Rate Mortgages, please contact your nearest branch office.
Please note:
- 1/2 Point charged on ALL Construction/Permanent Loans.
- Inspection fees are required on construction loans.
Double Wide Investment Properties + Land
| Product | Max. Term | Interest Rate | APR | *Payment per $1,000.00 |
|---|---|---|---|---|
Product 1 Yr. ARM** | Max. Term 30 Yrs. | Interest Rate 9.000% | APR 7.699% | *Payment per $1,000.00 $8.05 |
Product 3 Yr. ARM** | Max. Term 30 Yrs. | Interest Rate 9.250% | APR 7.983% | *Payment per $1,000.00 $8.23 |
Maximum Loan-To-Value for Residential Investment Properties = 80%
Only Double Wide manufactured homes on purchased land may qualify for residential investment property loans; Single Wide homes do not qualify.
*Monthly loan payment per $1,000 borrowed is based on the interest rate and maximum loan term quoted for each loan product.
Payments do not include amounts for taxes and insurance premiums, if applicable.
**The interest rate on Adjustable Rate Mortgage (ARM) loans may increase after the loan has been consummated. For more information describing the features of Adjustable Rate Mortgages, please contact your nearest branch office.
Fee Schedule
Fee Schedule
Please note that the following fees may apply to your account.
Fee Schedule
| Account History Print Out (per page) | $2.50 |
| Account Inactivity Fee (annually) Checking - no activity for 24 months Savings - no activity for 24 months | 10.00 10.00 |
| Account Research (per hour, 1 hour minimum) | 25.00 |
| Debit Card Replacement Fee | 10.00 |
| ATM Transaction Fee Customer Non-customer | No Charge 2.00 |
| Cashier's Check Fee | 7.50 |
| Check Printing - Harland Clarke Check Order Billing | Cost varies according to style ordered |
| Club Premature Closeout Fee | 10.00 |
| Copy of Check/Deposit Ticket/Statement | 5.00 |
| Counter Checks - For DDA (per 3) | 3.00 |
| Early Account Closeout Fee (Closing account open less than 3 months) | 10.00 |
| Insufficient Funds Fee (Paid/Returned) - Per Item *Created by Check, In-Person Withdrawal, or Electronic Means (Other than ATM or POS Transactions) | 30.00* |
| IRA Transfer Fee (outgoing) | 25.00 |
| IRA Custodial Fee | No Charge |
| Items Presented for Collection Fee | 25.00 |
| Levies/Garnishments (Other attachments to account) | 100.00 |
| Locking Depository Bags (in excess of 2 per account) Lost Key Replacement Fee (per key) Replace Lost Lockbag | 10.00 10.00 10.00 |
| Overdraft Protection Transaction Fee (per item) | 6.00 |
| Replacement for Lost Bank Check or Dividend Check | 5.00 |
| Stop Payment Fee (Check or electronic transfer item) | 25.00 |
| Wire Transfers: - Outgoing Domestic Wire Transfer Fee - Outgoing Foreign Wire Transfer Fee | 20.00 50.00 |
| - Incoming Domestic Wire Transfer Fee - Incoming Foreign Wire Transfer Fee | 10.00 25.00 |