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Rates and Fees
Deposit Account Rates
Rates are current as of February 28, 2023
|
|
Account
|
Interest
Rate
|
APY*
|
Balance to
Open Account
|
Balance to
Obtain APY
|
|
Ultimate Account
|
0.10%
|
0.10%
|
$100
|
$1,500
|
|
NOW Account
|
0.25%
|
0.25%
|
$1,500
|
$1,500
|
|
Money Market Account
|
0.25%
|
0.25%
|
$2,500
|
$2,500
|
|
Savings Account
|
0.25%
|
0.25%
|
$100
|
$0.01
|
|
Money Market Investor Account
|
0.25%
|
0.25%
|
$2,500
|
$2,500
|
|
|
0.37%
|
0.37%
|
|
$10,000
|
|
|
0.50%
|
0.50%
|
|
$25,000
|
|
|
0.50%
|
0.50%
|
|
$100,000
|
|
|
0.50%
|
0.50%
|
|
$150,000
|
|
|
0.75%
|
0.75%
|
|
$200,000
|
|
|
1.75%
|
1.76%
|
|
$250,000
|
* APY = Annual Percentage Yield.
Rates are subject to change without notice.
Rates may change on the preceding accounts after the account is opened.
Fees may reduce earnings on these accounts.
|
Certificate of Deposit Account Rates
Rates are current as of February 28, 2023.
|
|
Term
|
Interest
Rate
|
APY*
|
Balance to
Open Account
|
Balance to
Obtain APY
|
|
31 Day
|
1.00%
|
1.00%
|
$1,000
|
$1,000
|
|
91 Day
|
1.50%
|
1.51%
|
$1,000
|
$1,000
|
|
182 Day
|
2.75%
|
2.78%
|
$1,000
|
$1,000
|
|
1 Year
|
3.50%
|
3.55%
|
$1,000
|
$1,000
|
|
2 Years
|
3.50%
|
3.55%
|
$1,000
|
$1,000
|
|
3 Years
|
2.75% |
2.78% |
$1,000
|
$1,000
|
|
4 Years
|
2.75% |
2.78% |
$1,000
|
$1,000
|
|
5 Years
|
2.75% |
2.78% |
$1,000
|
$1,000
|
* APY = Annual Percentage Yield.
Rates are subject to change without notice.
A penalty may be imposed for early withdrawal.
|
Individual Retirement Account Rates
Rates are current as of February 28, 2023.
|
|
Term
|
Interest
Rate
|
APY*
|
Balance to
Open Account
|
Balance to
Obtain APY
|
|
1 Year
|
3.50%
|
3.50%
|
$1,000
|
$1,000
|
|
2 Years
|
3.50%
|
3.50%
|
$1,000
|
$1,000
|
|
3 Years
|
2.75% |
2.75% |
$1,000
|
$1,000
|
|
4 Years
|
2.75% |
2.75% |
$1,000
|
$1,000
|
|
5 Years
|
2.75% |
2.75% |
$1,000
|
$1,000
|
* APY = Annual Percentage Yield.
Rates are subject to change without notice.
A penalty may be imposed for early withdrawal.
|
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Schedule of Fees and Charges
Accurate as of May 31, 2022
|
|
Service
|
Fee
|
|
Overdraft Charge (per item paid)
|
$25.00
|
|
Return Item Fee (per item presented)
|
$25.00
|
|
Stop Payment Order (initial and renewal)
|
$20.00
|
|
Overdraft Protection Transfer (per transfer, $50 increments)
|
$1.00
|
|
ATM / Debit Card (per card/per year)
|
$5.00
|
|
ATM / Debit Card Replacement (per card)
|
$10.00
|
|
Debit Card PIN Replacement
|
$5.00
|
|
Cashier's Check (each)
|
$5.00
|
|
GPSB Bill Pay (Expedited Payments-Same Day)
|
$9.95
|
|
GPSB Bill Pay (Expedited Payments-Overnight Check)
|
$14.95
|
|
Popmoney Transfers(3 day Send or Request Money per item)
|
$0.75
|
|
Popmoney (Send Money Next Day)
|
$1.50
|
|
Research per hour (1 hr. min.)
|
$25.00
|
|
Account Reconciliation (per hour, min. $10.00)
|
$20.00
|
|
Legal Processing Fee (upon service)
|
$25.00
|
|
Charge Per Item Requested
|
$1.00
|
|
Quick Statement (per page)
|
$2.00
|
|
Photo Copies (per page)
|
$0.25
|
|
Fax Fee In/Out (per page)
|
$5.00
|
|
Notary Fee (per item, non-customer)
|
$5.00
|
|
Telephone Transfer (each)
|
$3.00
|
|
Wire Transfer In (each)
|
$5.00
|
|
Wire Transfer Out (each)
|
$15.00
|
|
International Wire
|
$40.00
|
|
Escrow Set-Up Fee
|
$500.00
|
|
Escrow Transaction Fee (no escrow)
|
$20.00
|
|
Escrow Transaction Fee (escrow for taxes & insurance)
|
$25.00
|
|
3 X 5 Safe Deposit Box (per year)
|
$15.00
|
|
3 X 10 Safe Deposit Box (per year)
|
$25.00
|
|
5 X 5 Safe Deposit Box (per year)
|
$20.00
|
|
5 X 10 Safe Deposit Box (per year)
|
$35.00
|
|
10 X 10 Safe Deposit Box (per year)
|
$45.00
|
|
10 X 15 Safe Deposit Box (per year)
|
$55.00
|
|
Lock Bag
|
$25.00
|
|
Zipper Bag
|
$3.00
|
|
Coin Counting (non-customer)
|
5% or $10.00 min.
|
|
Collection Item (each)
|
$20.00
|
|
Deposited Item Returned (Reclear - per presentment)
|
$2.00
|
|
Deposited Item Returned (Charge Back - per check)
|
$5.00
|
|
Deposited Item Returned (Special Instructions - per company)
|
$10.00
|
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