Personal

Oakwood E-Checking

• $100 Minimum deposit to open this account
• No Minimum Daily Balance
• Unlimited transactions
• Monthly service charge of $5.00 waived if either of the following requirements are met:

Oakwood Personal Checking

• $100 Minimum deposit to open this account
• $750 Minimum Daily Balance
• Unlimited transactions
• Monthly service fee of $15 waived when minimum daily balance is maintained

Oakwood NOW Checking

• $100 Minimum deposit to open
• $1,500 Minimum Daily Balance
• Unlimited transactions
• Monthly service fee of $15 waived when minimum daily balance is maintained
• Earns interest rate on a minimum daily balance of $1,500 and above
• Interest rate paid monthly

Oakwood Money Market

• $100 Minimum deposit to open this account
• $10,000 Minimum Daily Balance
• Monthly service fee of $15 waived when minimum daily balance of $10,000 is maintained
• Tiered interest rate based on account balance and current market rates
• Interest rate paid monthly
• Excess debit transaction fee is $10 per transaction if debit transaction limit is exceeded
  (Transfers to another account or third parties by preauthorized, automatic, telephone, computer transfer, debit card, check, draft, or similar order are limited to 6 per statement cycle)

Oakwood Savings

• $100 Minimum deposit to open this account
• $300 Minimum Daily Balance
• Monthly service fee of $5 waived when minimum daily balance of $300 is maintained
• Tiered interest rate based on account balance and current market rates
• Interest rate paid monthly
• Limited to 6 debit transactions per month
• Excess debit transaction fee is $5 per transaction if debit transaction limit is exceeded
  (Transfers to another account or third parties by preauthorized, automatic, telephone, computer transfer, debit card, check, draft, or similar order are limited to 6 per statement cycle)

Certificates of Deposit

• Traditional 6 month CD is $2500 to open
• IRAs are available
• Terms from 6 to 60 months
• Monthly interest payment may be compounded, paid to an Oakwood Bank account, or paid electronically to an account an another bank
• Penalty for early withdrawal

Personal Lending

Sophisticated Banking Services for High Net Worth Individuals

• Real Estate, investment, and specialty financing
• Home Mortgages 3/1 and 5/1 ARMs