Account Fees

ACCOUNT INFORMATION
General Account Terms	ALL ACCOUNTS: Account Dividends (Interest) are calculated based on the Average Monthly Account Balance. Dividends are paid and credited on the last day of each month. The Annual Percentage Rate (APR) and the Annual Percentage Yield (APY) for each Deposit Accounts is listed below. OTHER CHARGES: Please refer to fee schedule for additional charges and fees.
Account Service Type	* For current rates call 847-670-0456 ext. 3 Balance Range	apr & APY	DividenD Minimum Balance	Balance To Open & Maintain Account	Average Monthly Balance To Avoid Fee	Early Withdrawal Penalty	Account Withdrawal Restrictions
Primary Savings	$ 100.01 - 2,500 $ 2,500.01 - 5,000 $ 5,000.01 - 10,000 Over $10,000	* * * *	$100.00	$50.00	$250.00⁽¹⁾ If balance falls below average minimum, the fee is $2.50 per Month	Accounts closed with-in 90 days are subject to a $20 Processing Fee	Minimum Check Withdrawal Amount $25. $2 fee for each check withdrawal in excess of 2 per mo.
Secondary Savings	$ 100.01 - 2,500 * 2,500.01 - 5,000 * 5,000.01 - 10,000 Over $10,000	* * * *	$100.00	$.01, Must Maintain a Savings Acct.	None	None	None
Christmas Club	$.01 - and over	*	$.01	$.01, Must Maintain a Savings Acct.	None	Withdrawal prior to Disbursement Date are assessed $10 processing fee.	Funds are disbursed Annually, Nov. 1st (Note 3)
Vacation Club	$.01 - and over	*	$.01	$.01, Must Maintain a Savings Acct.	None	2 Free per year. Addl. withdrawals are assessed a $10 processing fee.	Time of withdrawal is determined by member.
Regular Checking	$100.01-$2,500 * Over $2,500	* *	$100.00	None. Must Maintain a Savings Acct.	$250.00⁽¹⁾ If balance falls below average minimum, fee is $2.50 per month	Account closed with-in 90 days are subject to a $20 Fee	A check must be used to withdraw funds from checking.
Business Checking	$100.01-$2,500 * Over $2,500	* *	$100.00	None. Must Maintain a Savings Acct.	$250.00⁽¹⁾ If balance falls below average minimum, fee is $2.50 per month	Account closed with-in 90 days are subject to a $20 Fee	A check must be used to withdraw funds from checking.
Premier Checking (Direct Deposit Required)	$100.01-$2,500 $ 2,500.01 - 5,000 Over $5,000	* * *	$100.00	None. Must Maintain a Savings Acct.	None	Account closed with-in 90 days are subject to a $20 Fee	A check must be used to withdraw funds from checking.
VIP Money market Checking Note (2)	For current rates call 847-670-0456 ext. 3, Or Refer to VIP Money Market Brochure