Terms and Conditions

 

Money Market Plus: This account is not considered a transaction account. Federal regulations limit automatic transfers, checks and drafts to six each month. There is no limit to the number of over-the-counter or ATM transactions you can make on this account.

Share Certificate/IRA: Rates, terms and conditions are subject to change without notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawal. Fees could reduce earnings.

Loyalty Advantage Certificate: Must be 18 years or older. Limit one certificate per member. Contributions can be made at any time during the term of the certificate. Business, church, club and similar non-natural accounts excluded. Maximum certificate contribution amount is $3,000. Contributions above the maximum amount of $3,000 will be transferred to the savings account. Must have an active checking account with a monthly aggregate direct deposit of at least $300 established within 90 days of certificate opening. If the terms and conditions are not satisfied, dividend rate will be reduced to the prevailing dividend rate of the standard 12 month certificate for the remainder of the term.

Variable Rate IRA: Dividend rates may change after the account is opened. Fees could reduce earnings. A penalty may be imposed for early withdrawal.

Platinum Credit Card: Click here to view your Platinum Visa/Platinum Business Visa Credit Card Agreement and Disclosure Statement.

Preferred No Frills Visa Credit Card: Click here to view your Preferred No Frills Visa Credit Card Agreement and Disclosure Statement.

Visa Signature Credit Card: Click here to view your Visa Signature Credit Card Agreement and Disclosure Statement.

Visa Prepaid and Global Prepaid Card: Click here to view the Visa Prepaid Card Terms and Conditions.

Founders Fee Schedule: Click here to view our Fee Schedule.