Rates

Interest Rates & Annual Percentage Yields are current as of
September 18th, 2025.

Account Product		Interest Rate	APY^a	Minimum Opening Deposit	Account Requirements	Interest Compounding & Crediting
Free Checking		0.00%	0.00%	$100.00	-No minimum balance -No monthly maintenance fee	None
Basic Interest Checking^*		0.05%	0.05%	$200.00	-$200 minimum balance -$5 monthly maintenance fee & $.20 per debit if balance drops below $200 any day during your monthly statement cycle	Monthly
Advantage Checking^*				$100.00	-$10,000 minimum balance in total consumer deposits and/or loans outstanding -$10 monthly maintenance fee if combined balance drops below $10,000 any day during your monthly statement cycle	Monthly
Daily Balance of:	Up to $49,999.99	0.05%	0.05%
	$50,000.00-99,999.99	0.10%	0.10%
	$100,000.00 & up	0.20%	0.20%
Primetime Checking^*				$100.00	-Available to those age 50 or older -$1,500 minimum balance in total consumer deposits -$10 monthly maintenance fee if total deposits drop below $1,500 any day during your monthly statement cycle	Monthly
Daily Balance of:	Up to $24,999.99	0.05%	0.05%
	$25,000.00-49,999.99	0.10%	0.10%
	$50,000.00-99,999.99	0.15%	0.15%
	$100,000.00-249,999.99	0.20%	0.20%
	$250,000.00 & up	0.30%	0.30%
Health Savings Account^*		1.00%	1.00%	$0.00	-Must meet HSA qualifications -No minimum balance -No monthly maintenance fee	Monthly
Prestige Savings^*				$50.00	-$50 minimum balance -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle	Quarterly
Daily Balance of:	Up to $24,999.99	0.05%	0.05%
	$25,000.00-49,999.99	0.10%	0.10%
	$50,000.00-99,999.99	0.15%	0.15%
	$100,000.00 & up	0.25%	0.25%
Primetime Savings^*				$50.00	-Available to those age 50 or older -$50 minimum balance -$1,500 minimum balance in total consumer deposits ¹ -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle	Quarterly
Daily Balance of:	Up to $49,999.99	0.15%	0.15%
	$50,000.00-99,999.99	0.25%	0.25%
	$100,000.00-249,999.99	0.30%	0.30%
	$250,000.00 & up	0.40%	0.40%
Blue Chip MMDA^*				$25,000.00	-$25,000 minimum balance -$10 monthly maintenance fee if balance drops below $25,000 any day during your monthly statement cycle	Monthly
Daily Balance of:	Up to $24,999.99	0.90%	0.90%
	$25,000.00-99,999.99	1.10%	1.10%
	$100,000.00-249,999.99	1.30%	1.31%
	$250,000.00 & up	1.50%	1.51%
Young Ones Savings*		0.30%	0.30%	$10.00	-No minimum balance -No monthly service charge ²	Quarterly
Certificates of Deposit^& IRAs^
3 Month		0.10%	0.10%	$1,000.00	$1,000 Minimum Balance	At Maturity
6 Month		0.20%	0.20%	$1,000.00	$1,000 Minimum Balance	At Maturity
12 Month		0.25%	0.25%	$1,000.00	$1,000 Minimum Balance	Semi-annually
24 Month		0.35%	0.35%	$1,000.00	$1,000 Minimum Balance	Semi-annually
36 Month		0.50%	0.50%	$1,000.00	$1,000 Minimum Balance	Semi-annually
48 Month		0.60%	0.60%	$1,000.00	$1,000 Minimum Balance	Semi-annually
18 Month Add-on IRA only		0.40%	0.40%	$100.00	$100 Minimum Balance	Semi-annually
7 Month Special		3.78%	3.81%	$5,000.00	$5,000 Minimum Balance	At Maturity
13 Month Special		3.60%	3.63%	$5,000.00	$5,000 Minimum Balance	Semi-annually

ª Annual Percentage Yield

¹ To maintain Primetime Club membership

² This account is available to anyone 17 years old or younger

*The interest rate and annual percentage yield may change after opening

**A penalty may be imposed for early withdrawal

Fees could reduce earnings on the account

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.