Personal Savings

Focus Savings

Terms

Benefits

• ATM Card
• Mobiliti™ with CardValet®
• Mobile Banking
• Mobile Deposit
• Online Banking
• eStatements

Disclosure

This disclosure explains important terms applicable to your Focus Savings account (“Account”). Additional terms and conditions affecting your Account are contained in the Terms and Conditions of Your Account agreement which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. The interest rates and APYs stated below are accurate as of October 12, 2022. If you would like more current rate and yield information, please call us at 800.843.4947.

Your Account is eligible for an interest rate and annual percentage yield (APY) based on the activity in the Account during each statement cycle. If you meet the “Qualifications” (as explained below) during a statement cycle, your Account will earn a premium interest rate.

If you meet the “Qualifications” (as explained below) during a statement cycle, the interest rate you will earn is:

• Balance and Eligibility Requirements: The minimum deposit to open a Focus Savings Account is $100.00. To avoid the imposition of the $5.00 minimum balance fee quarterly, you must maintain an average daily balance of at least $100.00.
• Rate Information: This account is an interest bearing account. At our discretion, we may change the interest rate on your account. The interest rate and annual percentage yield may change when deemed necessary by the bank.  
• Compounding and Crediting Frequency: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded daily and will be credited to the account quarterly.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  
• Transaction Limitations: You may make unlimited deposits into your account. During any month, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. 
• Account Fees: There is a fee of $5.00 per withdrawal over six (6) per quarter. There is no fee for eStatements or paper statements. There are no Foreign ATM fees when using an ATM that is a member of the Alliance One Network. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used. See our current Fee Schedule for other fees that may be associated with this account.
• Additional Terms: If you have not made a withdrawal from, or deposit to your account for thirty-six (36) months and we have been unable to contact you, your account may be classified as dormant. Subject to applicable law, we will charge a dormant fee. The account will be presumed to be abandoned and will be remitted to the custody of the applicable state agency. We will have no further liability to you for such funds. 

WIN (Weekly Interest Now)

Terms

Benefits

• Mobile Banking
• Mobile Deposit
• Online Banking
• eStatements

Disclosure

This disclosure explains important terms applicable to your WIN Savings account (“Account”). Additional terms and conditions affecting your Account are contained in the Terms and Conditions of Your Account agreement which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. The interest rates and APYs stated below are accurate as of October 12, 2022. If you would like more current rate and yield information, please call us at 800.843.4947.

Your Account is eligible for an interest rate and annual percentage yield (APY) based on the activity in the Account during each statement cycle. If you meet the “Qualifications” (as explained below) during a statement cycle, your Account will earn a premium interest rate.

If you meet the “Qualifications” (as explained below) during a statement cycle, the interest rate you will earn is:

• Balance and Eligibility Requirements: The minimum deposit to open a WIN Savings Account is $100.00. To avoid the imposition of the $10.00 minimum balance fee per statement cycle, you must maintain a minimum daily balance of at least $1,000.00.
• Rate Information: This account is an interest bearing account. At our discretion, we may change the interest rate on your account. The interest rate and annual percentage yield may change when deemed necessary by the bank.
• Compounding and Crediting Frequency: You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded weekly and will be credited to the account weekly. Interest will be forfeited on days below the minimum daily balance.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  
• Transaction Limitations: You may make unlimited deposits into your account. During any month, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
• Account Fees: There is a fee of $5.00 per withdrawal over four (4) per month. There is no fee for eStatements or paper statements. See our current Fee Schedule for other fees that may be associated with this account.
• Additional Terms: If you have not made a withdrawal from, or deposit to your account for thirty-six (36) months and we have been unable to contact you, your account may be classified as dormant. Subject to applicable law, we will charge a dormant fee. The account will be presumed to be abandoned and will be remitted to the custody of the applicable state agency. We will have no further liability to you for such funds.

Money Market Savings

Terms

Benefits

• Mobile Banking
• Mobile Deposit
• Online Banking
• eStatements

Disclosure

This disclosure explains important terms applicable to your Money Market Savings account (“Account”). Additional terms and conditions affecting your Account are contained in the Terms and Conditions of Your Account agreement which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. The interest rates and APYs stated below are accurate as of August 18, 2023. If you would like more current rate and yield information, please call us at 800.843.4947.

Your Account is eligible for an interest rate and annual percentage yield (APY) based on the activity in the Account during each statement cycle. If you meet the “Qualifications” (as explained below) during a statement cycle, your Account will earn a premium interest rate.

If you meet the “Qualifications” (as explained below) during a statement cycle, the interest rate you will earn is:

• Balance and Eligibility Requirements: The minimum deposit to open a Money Market Savings Account is $100.00. To avoid the imposition of the $20.00 minimum balance fee per statement cycle, you must maintain a minimum daily balance of at least $2,500.00.
• Rate Information: This account is an interest bearing account. At our discretion, we may change the interest rate on your account. The interest rate and annual percentage yield may change when deemed necessary by the bank.  
• Compounding and Crediting Frequency: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded monthly and will be credited to the account monthly.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  
• Transaction Limitations: You may make unlimited deposits into your account. During any month, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.
• Account Fees: There is a fee of $5.00 per withdrawal over four (4) per month. There is no fee for eStatements or paper statements. See our current Fee Schedule for other fees that may be associated with this account.
• Additional Terms: If you have not made a withdrawal from, or deposit to your account for thirty-six (36) months and we have been unable to contact you, your account may be classified as dormant. Subject to applicable law, we will charge a dormant fee. The account will be presumed to be abandoned and will be remitted to the custody of the applicable state agency. We will have no further liability to you for such funds.

Vacation Club

Terms

Benefits

• Mobile Banking (view only)
• Mobile Deposit
• Online Banking (view only)
• eStatements

Disclosure

This disclosure explains important terms applicable to your Vacation Club Savings account (“Account”). Additional terms and conditions affecting your Account are contained in the Terms and Conditions of Your Account agreement which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. The interest rates and APYs stated below are accurate as of October 12, 2022. If you would like more current rate and yield information, please call us at 800.843.4947.

Your Account is eligible for an interest rate and annual percentage yield (APY) based on the activity in the Account during each statement cycle. If you meet the “Qualifications” (as explained below) during a statement cycle, your Account will earn a premium interest rate.

If you meet the “Qualifications” (as explained below) during a statement cycle, the interest rate you will earn is:

• Balance and Eligibility Requirements: The minimum deposit to open a Vacation Club Savings Account is $100.00.
• Rate Information: This account is an interest bearing account. At our discretion, we may change the interest rate on your account. The interest rate and annual percentage yield may change when deemed necessary by the bank.  
• Compounding and Crediting Frequency: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded annually and will be credited to the account annually.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  
• Transaction Limitations: During any month, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.  You may choose the payout month of your Vacation Club Account. Payout will occur on the 15th of the requested month. There will be a $10.00 charge for each additional withdrawal.
• Account Fees: There is a fee of $10.00 per additional withdrawal. There is no fee for eStatements or paper statements. See our current Fee Schedule for other fees that may be associated with this account.
• Additional Terms: If you have not made a withdrawal from, or deposit to your account for thirty-six (36) months and we have been unable to contact you, your account may be classified as dormant. Subject to applicable law, we will charge a dormant fee. The account will be presumed to be abandoned and will be remitted to the custody of the applicable state agency. We will have no further liability to you for such funds.  

Christmas Club

Terms

Benefits

• Mobile Banking (view only)
• Mobile Deposit
• Online Banking (view only)
• eStatements

Disclosure

This disclosure explains important terms applicable to your Christmas Club Savings account (“Account”). Additional terms and conditions affecting your Account are contained in the Terms and Conditions of Your Account agreement which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. The interest rates and APYs stated below are accurate as of October 12, 2022. If you would like more current rate and yield information, please call us at 800.843.4947.

Your Account is eligible for an interest rate and annual percentage yield (APY) based on the activity in the Account during each statement cycle. If you meet the “Qualifications” (as explained below) during a statement cycle, your Account will earn a premium interest rate.

If you meet the “Qualifications” (as explained below) during a statement cycle, the interest rate you will earn is:

• Balance and Eligibility Requirements: The minimum deposit to open a Christmas Club Savings Account is $100.00.
• Rate Information: This account is an interest bearing account. At our discretion, we may change the interest rate on your account. The interest rate and annual percentage yield may change when deemed necessary by the bank.  
• Compounding and Crediting Frequency: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded annually and will be credited to the account annually.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  
• Transaction Limitations: During any month, you may not make more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.  Christmas Club Account payout will occur on the 15th of October. There will be a $10.00 charge for each additional withdrawal.
• Account Fees: There is a fee of $10.00 per additional withdrawal. There is no fee for eStatements or paper statements. See our current Fee Schedule for other fees that may be associated with this account.
• Additional Terms: If you have not made a withdrawal from, or deposit to your account for thirty-six (36) months and we have been unable to contact you, your account may be classified as dormant. Subject to applicable law, we will charge a dormant fee. The account will be presumed to be abandoned and will be remitted to the custody of the applicable state agency. We will have no further liability to you for such funds.

Health Savings Account

Terms

*$30.00 Closing Fee

Benefits

• ATM/Debit Card
• Mobiliti™ with CardValet®
• Mobile Banking
• Mobile Deposit
• Online Banking
• eStatements

Disclosure

This disclosure explains important terms applicable to your Health Savings account (“Account”). Additional terms and conditions affecting your Account are contained in the Terms and Conditions of Your Account agreement which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. The interest rates and APYs stated below are accurate as of October 12, 2022. If you would like more current rate and yield information, please call us at 800.843.4947.

Your Account is eligible for an interest rate and annual percentage yield (APY) based on the activity in the Account during each statement cycle. If you meet the “Qualifications” (as explained below) during a statement cycle, your Account will earn a premium interest rate.

For more information on the contribution limits for the current year visit www.irs.gov.

If you meet the “Qualifications” (as explained below) during a statement cycle, the interest rate you will earn is:

• Balance and Eligibility Requirements: The minimum deposit to open a Health Savings Account is $50.00. To avoid the imposition of the $3.50 minimum balance fee per statement cycle, you must maintain an average monthly balance of at least $2,000.00. 
• Rate Information: This account is an interest bearing account. At our discretion, we may change the interest rate on your account. The interest rate and annual percentage yield may change when deemed necessary by the bank.   
• Compounding and Crediting Frequency: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded monthly and will be credited to the account monthly.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  
• Transaction Limitations: The Bank reserves the right to require not less than 7 days’ notice in writing before any withdrawal from this account.
• Account Fees: There is no fee for eStatements or paper statements. See our current Health Savings Account Fee Schedule for other fees that may be associated with this account.
• Additional Terms: If you have not made a withdrawal from, or deposit to your account for thirty-six (36) months and we have been unable to contact you, your account may be classified as dormant. Subject to applicable law, we will charge a dormant fee. The account will be presumed to be abandoned and will be remitted to the custody of the applicable state agency. We will have no further liability to you for such funds.

Companion Savings Account

Terms

Benefits

• Mobile Banking
• Online Banking
• eStatements

Disclosure

This disclosure explains important terms applicable to your Companion Savings account (“Account”). Additional terms and conditions affecting your Account are contained in the Terms and Conditions of Your Account agreement which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. The interest rates and APYs stated below are accurate as of February 03, 2023. If you would like more current rate and yield information, please call us at 800.843.4947.

Your Account is eligible for an interest rate and annual percentage yield (APY) based on the activity in the Account during each statement cycle. If you meet the “Qualifications” (as explained below) during a statement cycle, your Account will earn a premium interest rate.

For more information on the contribution limits for the current year visit www.irs.gov.

If you meet the “Qualifications” (as explained below) during a statement cycle, the interest rate you will earn is:

• Balance and Eligibility Requirements: The minimum deposit to open a Companion Savings Account is $1,000.00. 
• Rate Information: This account is an interest bearing account. At our discretion, we may change the interest rate on your account. The interest rate and annual percentage yield may change when deemed necessary by the bank.   
• Compounding and Crediting Frequency: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Interest will be compounded monthly and will be credited to the account monthly.
• Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
• Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of Interest on Noncash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  
• Transaction Limitations: You may not make any deposits to this account other than funds less than or equal to the amount at opening of a new certificate of deposit.  Transfers to or from a Companion Deposit Savings account with another account or third parties by preauthorized, automatic, telephone, or computer are not allowed.  Overdraft Transfers are not allowed. You may only make withdrawals in person.  You may make unlimited withdrawals in person.
• Additional Terms: If you have not made a withdrawal from, or deposit to, your account for an extended period of time (12 months for checking accounts; 36 months for savings and health savings accounts) and we have been unable to contact you, your account may be classified as dormant. Subject to applicable law, we will charge a dormant fee. The account will be presumed to be abandoned and will be remitted to the custody of the applicable state agency. We will have no further liability to you for such funds.