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Terms & Conditions

Certificate of Deposit Terms and Conditions

$1,000 Minimum Deposit to open

Penalty may be imposed for early withdrawal

**if the 15 month increases during the term of your

CD, you can step up your rate one time

*Annual Percentage Yield

Fees could reduce earnings


Score Four Checking Account Terms and Conditions

The interest rate(s) and annual percentage yield(s) may change at any time

$50.00 minimum deposit to open

Fees may reduce earnings

Consumers only, no public or government entities

*Annual Percentage Yield


Karat Money Market Account Terms and Conditions

*APY – Annual Percentage Yield

Fees may reduce earnings

Public Entities do not qualify

Rates subject to change

$50.00 Minimum Deposit to open


Pathway Plus Checking Terms and Conditions

The interest rate(s) and annual percentage yield(s) may change at any time

$50.00 minimum deposit to open

Fees may reduce earnings

Consumers only, no public or government entities

*Annual Percentage Yield

Free Wallet Checks.  Duplicates are available at a discount