Products & Services
Savings
|
Account |
Minimum Amount |
Rate |
APY |
Interest Calculated |
Penalty |
| Passbook |
$25.00 |
1.75 |
1.77 |
Daily |
None |
| Money Fund |
$5,000.00 |
1.75 |
1.77 |
Daily |
None |
The minimum required to open a savings account is $25. Accounts
with balances falling below $25 will automatically be charged a $1
service fee per month. Additions to savings passbooks have no
minimum amount.
Checking
|
Account |
Minimum Amount |
Rate |
Interest Calculated |
Penalty |
Checking without Images
Interest Bearing |
$50.00
$5.00 monthly
Service charge |
1.50 |
Daily |
None |
Checking
With Images
Interest Bearing |
$50.00
$7.00 monthly
Service charge |
1.50 |
Daily |
None |
| Checking (Incorporated) |
$1000.00
$10.00 monthly
If drops below
minimum |
N/A |
Daily |
None |
Free Checking
without Images
No Interest |
$50.00 |
N/A |
N/A |
None |
Free Checking
with Images
No Interest |
$500.00 min.
$7.00 if drops
below minimum
|
N/A |
N/A |
None |
Customers 65 or older:
No minimum, No service charges, Free Basic Checks
ALL ACCOUNTS INCLUDE: FREE MASTERCARD ATM/DEBIT, FREE 24 HOUR TELEPHONE BANKING, FREE DETAILED STATEMENTS AND FREE ONLINE BANKING WITH BILL PAYMENT.
The following miscellaneous charges apply for all checking
accounts:
Stop Payment Fee $25.00
Insufficient Funds Fee $25.00
Photocopy Fee $3.00
Duplicate Statement Fee $2.50
Atm/Debit card replacement fee $5.00
Cancel (hotcard) Atm/Debit card $15.00
Certificates
|
Account
|
Minimum Amount |
Rate |
APY |
Interest Calculated |
Penalty |
|
IRA |
$250.00 |
2.25 |
2.27 |
Daily |
3 Months* |
|
3 Months |
$5,000.00 |
1.25 |
1.26 |
Daily |
1 Month |
|
6 Months |
$5,000.00 |
1.50 |
1.51 |
Daily |
1 Month |
|
1 Year |
$1,000.00 |
1.75 |
1.77 |
Daily |
1 Month |
|
2 Years |
$2,500.00 |
2.25 |
2.27 |
Daily |
3 Months |
|
3 Years |
$2,500.00 |
2.50 |
2.53 |
Daily |
3 Months |
|
4 Years |
$2,500.00 |
2.75 |
2.79 |
Daily |
3 Months |
|
5 Years |
$2,500.00 |
3.00 |
3.05 |
Daily |
3 Months |
(Note: There is no .25% rate increase for Jumbos)
|
Account
|
Minimum Amount |
Rate |
APY |
Interest Calculated |
Penalty |
|
6 Months |
$100,000,00 |
1.50 |
1.51 |
Daily |
1 Month |
|
1 Year |
$100,000.00 |
1.75 |
1.77 |
Daily |
1 Month |
|
2 Years |
$100,000.00 |
2.25 |
2.27 |
Daily |
3 Months |
|
3 Years |
$100,000.00 |
2.50 |
2.53 |
Daily |
3 Months |
|
4 Years |
$100,000.00 |
2.75 |
2.79 |
Daily |
3 Months |
|
5 Years |
$100,000.00 |
3.00 |
3.05 |
Daily |
3 Months |
* Penalty may be waived on IRA’s when account holder reaches 59.5
years of age.
Mortgage / Consumer Loan
Vidalia Federal offers a full array of Mortgage, Auto or Personal
Loans to meet your needs. Please contact our office at 912-537-8805
for details.
Safe Deposit Box
Vidalia Federal offers you the security you require for your
valuables. Come by our main office or our Lyons Branch and discuss
your needs with one of our representatives.
Telephone Banking
Access your account 24 hours a day using your touchtone phone.
Check your balance, transfer funds between accounts, or verify funds
with just the a quick phone call. Safe, convenient and free!
24 hour Telephone Banking: 912-537-4540
|
