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Truth In Savings Disclosure
TISA Disclosure for DD Product 113 – PERSONAL MONEY MARKET
The interest rate and annual percentage yield stated below are accurate as of 10/1/2022. If you would like more current rate and yield information, please call us at (864) 364-6130.
This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular.
We reserve the right at any time require not less than 7 days notice in writing before any withdrawal from an interest-bearing account.
Variable Rate – The interest rate is a variable rate. The interest rate and annual percentage yield may change.
Determination of Rate- The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.
*In this disclosure, Annual Percentage Yield is abbreviated as “APY”.
Frequency of Rate Change – We may change the interest rate on your account at any time at our discretion.
Minimum Balance Requirements – You must deposit at least $50.00 to open this account. Minimum daily balance of $500.00 required to avoid fees.
To Avoid the Imposition of Fees – A Maintenance Fee of $10.00 will be imposed every monthly statement cycle if the balance in the account falls below $500.00 on any day of the monthly statement cycle. This fee will be waived for the first two statement cycles.
To Obtain the Annual Percentage Yield Disclosed- You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield.
Compounding and Crediting – Frequency – Interest will be compounded daily. Interest will be credited monthly.
Effect of Closing an Account – If you close your account before interest is credited, you will receive the accrued interest.
Balance Computation Method – We use the Daily Balance Method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits – Interest begins to accrue on the same business day you deposit noncash items (for example, checks).
Mon-Thurs: 9am – 5pm
Fri: 9am – 6pm
Mon-Thurs: 8:30am – 5pm
Fri: 8:30am – 6pm