SAVINGS ACCOUNTS

Your savings earn a variable rate of interest compounded and paid quarterly in March, June, September, and December.  Interest is computed daily on the collected balance.  Six free withdrawals are allowed per quarter.  Withdrawals in excess of six will be charged $.50 each.  Statements are mailed quarterly, unless combined with a checking account or electronic activity and then it is mailed monthly.

Minimum Daily Balance	Quarterly Service Charge
$50 +	None
Less than $50	$5.50

There is no quarterly service charge on accounts held by minors
  (under age 18).