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TRUTH-IN-SAVINGS DISCLOSURE
CERTIFICATE OF DEPOSIT

Rate Information: Call 330-923-0454

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Daily 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 business day you deposit noncash items (for example, checks).

Transaction limitations:

You may not make any deposits into your account before maturity.

You may make withdrawals of principal from your account before maturity.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity):

If your account has an original maturity of less than one year:
The fee we may impose will equal all interest earned, subject to a one month minimum.

If your account has an original maturity of 12 months to less than 24 months:
The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.

If your account has an original maturity of 24 months to less than 48 months:
The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.

If your account has an original maturity of 48 months:
The fee we may impose will equal one years interest on the amount withdrawn subject to penalty.

There are certain circumstances, such as the death or incompetence of an owner, where we will waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within 7 calendar day grace period after maturity) or we receive written notice from you within 7 calendar day  after maturity. If you prevent renewal, interest will continue to accrue after final maturity for up to seven days. The interest rate will be the last rate in effect immediately before maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have seven days after maturity to withdraw the funds without a penalty.

Please call 330-923-0454 to learn the interest rate and annual percentage yield for your new account.

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