Current Rates

Rates Effective:  07/03/2008 to 07/09/2008
 

 Deposit Account Rates

Account Type  Minimum Needed to Open  Interest Rate  APY** 
Super Now  $1,000.00  0.25%  0.25% 
Hi-Fi Money Market  Under $10,000.00  0.60%  0.60% 
  $10,000.00 to $25,000.00  1.00%  1.00% 
  Over $25,000.00  1.35%  1.36% 
Statement Savings  None  0.50% 0.50%
 

 Certificates of Deposit

 Fixed Rate IRAs
Term Minimum Needed to Open Interest Rate APY
91 Day $1,000.00 1.50% 1.51%
182 Day $1,000.00 1.80% 1.81%
12 Month $500.00 2.20% 2.22%
24 Month* $500.00 2.25% 2.27%
36 Month* $500.00 2.35% 2.37%
48 Month $500.00 2.40% 2.42%
60 Month $500.00 2.50% 2.52%
  9 Month*** $1,000.00 2.45%  2.47% 
15 Month $1,000.00 2.60% 2.63%
27 Month $1,000.00 2.85% 2.88%
33 Month $1,000.00  Renewals Only 2.75% 2.78%

*Rate Choice Certificate - Bump up once each 12 month period
**Annual Percentage Yield 
***Non-renewable 

 Variable Rate IRAs
Term Minimum Needed to Open Interest Rate APY
12 Month $100.00 1.40% 1.41%
24 Month $100.00 1.40% 1.41%
36 Month $100.00 1.40% 1.41%
48 Month $100.00 1.40% 1.41%
60 Month $100.00 1.40% 1.41%

IRA Variable Rate is Effective 06/01/2008
A penalty may be imposed for early withdrawal.
These rates and annual percentage yields are accurate for the time period listed above.  Please call (304) 375-6262 or (304) 485-1717 for current rate information.
   

 
Current Fee Schedule

 Current Fees

Overdrafts (per item paid)  $29.00
Nonsufficient Funds (per item returned)  $29.00 
Overdraft Coverage (from Savings per transfer)  $2.25
Stop Payments (per item) $30.00 
Deposited Items Returned Unpaid  $5.00 
Replacement VISA Check or ATM Card  $5.00 
Account Activity Printout  $1.50 
Account Research (per hour)  $25.00 
Account Balancing Assistance (per hour)  $25.00 
Telephone Transfers (between accounts)  $2.00 
Garnishments  $5.00 
Levies  $25.00 
Cashier's Checks (Customers)  $3.00 
Cashier's Checks (Non-Customers)  $6.00 
Money Orders (Customers)  $3.00 
Money Orders (Non-Customers)  $6.00 
Photocopies  $0.20 
Wire Transfer - Domestic (outgoing)  $15.00 
Wire Transfer - Domestic (incoming)  $5.00 
Wire Transfer - Foreign (outgoing)  $30.00 
Wire Transfer - Foreign (incoming)  $5.00 
Inactivity Fee (per month)** $3.00
 
** The Inactivity Fee will be assessed to all Checking accounts after one (1) year of inactivity and on all Savings accounts after two (2) years of inactivity until the account is either brought to an active status or closed.
 
Check Printing varies by type and style. 
   

 
NOTICE: Check out Free Rewards Checking!