Savings Options

• $50 Minimum deposit to open
• Monthly minimum balance fee: $3 if daily balance falls below $100
• Minimum balance to obtain APY*: $100
• Dormant Account Fee: $5 per month if account becomes inactive for 12 months and balance is below $100
• Interest compounded daily, posted monthly
• Limited to 6 withdrawals per month.  Additional withdrawals will be $1.00 each
• Replace lost passbook fee: $5
• ATM card is not available for this account
• An account passbook is provided 
• Direct Deposit and Pre-authorized transfers not available

(Unlimited transactions, interest bearing account)

• $50 Minimum deposit to open
• Monthly balance fee: $5 if daily balance falls below $100
• Minimum balance to obtain APY: $100
• Dormant Account Fee: $10 per month if account becomes inactive for 12 months and balance is below $100
• Interest compounded daily, posted monthly
• Unlimited transactions
• ATM Card is available upon approval with this account
• Monthly statement provided
• Direct Deposit and Pre-authorized transfers available

(Limited transactions, interest bearing account)

• $2,500 Minimum deposit to open
• Tiered interest rates; rate subject to change
• Monthly balance fee: $5 if balance falls below $1000
• Dormant account fee: $10 per month if account becomes inactive for 12 months and balance is below $1,000
• Limited to 6 pre-authorized transfers per monthly statement cycle

        - Transfers in excess of six incur a fee of $10 each

• Monthly statement with images provided or E-statement with images available
• Interest compounded daily, posted monthly

• $500 Minimum deposit to open
• Term options: 91 days to 60 months
• Interest options:

      -Compounded quarterly, posted quarterly

      -Deposit to CKF account

      -Mail Check

• Interest rates and APY's* are fixed for the term of the certificate
• Automatically renewable
• Penalty for early withdrawal

• $1.00 Minimum deposit to open
• Allowable contributions may be tax deductible
• All earnings are tax deferred
• Term: 18 months

         - Interest compounded daily, posted quarterly on IRA certificates

         - Interest rates and APY's* are fixed for the term of the certificate

• Retirement Accounts available: 
           - Traditional
           - Roth
  Flexible no-penalty withdrawal after age 59 1/2 
  
  *APY=ANNUAL PERCENTAGE YIELD