Please call Customer Service for Current Rate Information (478)-452-4531 or stop by and see one of our friendly Customer Service Representatives.


Exchange Personal Savings Accounts

Exchange Savings

  • $100 Minimum Deposit to Open
  • You must maintain a Minimum Daily Balance of $200 to obtain the Annual Percentage Yield
  • * $15 Minimum Balance Fee will be imposed quarterly
    • * Fee waived with a Minimum Daily Balance of $300
    • * Fee waived with Average Daily Balance of $500 for the quarter
    • The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  • Limitations: During any month, you may not make more than six 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, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any month, your account will be subject to closure by the bank. A $5.00 debit item fee will be charged for each debit over 6 per quarterly statement cycle.
  • Interest Bearing Account Compounded Quarterly and Credited Quarterly
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements

Health Savings Account

  • $100 Minimum Deposit to Open
  • No Transaction Limitations Apply
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the balance on which interest is paid
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements
  • High Deductible Health Plan is required. Please provide copy of insurance card at time of account opening

Exchange Money Market

  • $100 Minimum Deposit to Open
  • * $9.00 Minimum Balance Fee will be imposed monthly
    • * Fee waived with a Minimum Daily Balance of $2,000
    • * Fee waived with A Minimum Daily Balance of $25,000 or more in any combination of Checking, Savings, and/or Certificate of Deposit that you have ownership, whether individual or joint
  • Limitations: During any monthly statement cycle, you may not make more than six 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, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the bank. A $5.00 excess debit fee will be charged for each debit over 6 per statement cycle.
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • Free: Internet Banking, Mobile Banking, Online Bill Pay

Rate Information on Money Market and Savings: The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for noncash items (for example, checks). If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information on Money Market and Savings: We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Fees may reduce earnings on Money Market and Savings.