Types of Accounts

Regular Checking Account

• Minimum of $100 is required to open the account.
• There is no minimum balance to maintain, no below balance fee is applied.

REWARD Checking

*APY=Annual Percentage Yield

Minimum to open the account is $100.00. Rate tiers are as follows: 3.30% APY applies to balances $.01 - $10,000.00 and .65% APY applies to balances over $10,000 as long as monthly qualifications are met each qualification cycle. 0.25% APY applies to all balances if qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance is required to obtain APY. No monthly service charge. Available to personal accounts only. Unlimited ATM fee refunds per cycle when qualifications are met. Qualifications required to earn interest and free ATMs nationwide:

• Have at least one Automatic Payment or Direct Deposit post and clear per qualification cycle
• Have at least 10 Debit Card purchases post and clear per qualification cycle
• Receive monthly statement electronically

YNB Advantage Checking

• A minimum of $100 is required to open the account.
• A club account that offers a $5.00 discount on certain check styles or free club checks, accidental death and dismemberment insurance, requires no minimum balance, credit card protection service and much more.
  The insurance offered is not a deposit, not FDIC insured, not guaranteed by the Financial Institution, and not insured by any government agency.

NOW Checking Account

• Interest rate changes monthly, interest is compounded monthly.
• If balance falls below $1,000 there is a $10.00 charge.

Investment Money Market Fund

• Interest rate changes monthly, interest is compounded monthly.
• No more than six withdrawals or transfers may be made during each cycle by check, debit card, or similar payment order to third parties. Included in these six are also preauthorized or automatic transfer or telephone order or instruction to another account of yours. If you exceed the transfer limitations, your account will be subject to closure by the financial institution.
• A $5.00 fee applies for each debit in excess of the six.
• If balance falls below $1,000 there is a $10.00 charge.

Transaction Money Market Fund

• Maximum 1% less than IMMF interest rate.
• If balance falls below $1,000 there is a $10.00 charge.
• 20 checks allowed per cycle. 20 cents each after 20.

Savings Account

• Interest compounded daily, paid on calendar quarter, rate varies monthly.
• No more than six withdrawals or transfers may be made during each cycle by check, debit card, or similar payment order to third parties. Included in these six are also preauthorized or automatic transfer or telephone order or instruction to another account of yours. A $5.00 fee applies for each debit in excess of the six. If you exceed the transfer limitations, your account will be subject to closure by the financial institution.
• $5.00 per quarter when balance falls below $100.

Certificate of Deposit

• Certificates of deposit are available in terms of 6 months, 1 year, 2 year, 3 year and 5 year.
• Interest rates vary.
• Penalty for early withdrawal on all certificates.
• Call the bank for rates.

IRA Accounts

• Individual Retirement Accounts are available to fit the individual needs.