Rate Schedule

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

Account Product Name

Minimum Opening Deposit

Minimum Balance to Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

Certificate of Deposit (CD)

Consumer 3 Month CD^a	$500	$500^c	4.65%	4.75%
Consumer 6 Month CD^a	$500	$500^c	4.60%	4.70%
Consumer 12 Month CD^a	$500	$500^c	4.50%	4.59%
Consumer 18 Month CD^a	$500	$500^c	4.50%	4.59%
Consumer 24 Month CD^a	$500	$500^c	4.45%	4.54%
Consumer 36 Month CD^a	$500	$500^c	4.45%	4.54%
Consumer 60 Month CD^a	$500	$500^c	4.45%	4.54%

High-Yield Savings

Digital Interest Checking

Personal MMDA

Personal MMDA^b

$50

$0.01^c

Daily Balances of:
up to $4,999.99	2.50%	2.53%
$5,000 - 9,999.99	4.00%	4.07%
$10,000 - 99,999.99	4.25%	4.33%
$100,000 - 999,999,999.00	4.50%	4.59%

a) A penalty may be imposed for early withdrawal.

b) The interest rate and annual percentage yield may change after opening.

c) Daily balance is the amount of the principal in the account each day.

FDIC insures deposits up to $250,000 per depositor and the FDIC’s deposit insurance is backed by the full faith and credit of the U.S. government. Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of December 22, 2024, but subject to change at any time. For current rate information, call (833) 567-2265.

Certificate of Deposit (CD)

Lock in your money for a fixed period and benefit from highly competitive rates, typically higher than regular savings or money market accounts.

Right for: Individuals with a defined investment horizon who can keep their funds untouched until maturity, avoiding any early withdrawal penalties

High-Yield Savings (HYS)

Grow your savings with competitive interest rates, allowing up to 6 withdrawals per month without service fees or high balance requirements. Interest is compounded and credited quarterly for maximum growth.

Right for: First-time savers with less than $5,000 to invest, looking for flexibility and steady growth.

Digital Interest Checking

Earn interest and enjoy unlimited check writing with the convenience of a low opening balance requirement. Gain easy access to your money while earning competitive interest on your balance.

Right for: Individuals who frequently write checks and prefer unrestricted access to their funds while earning interest, without the burden of high opening deposits or monthly service fees.

Money Market Deposit Account (MMDA)

Combine the flexibility of a checking account with the growth potential of a savings account. Enjoy check-writing privileges and up to 6 withdrawals per month, all while earning a competitive interest rate. Benefit from a variable tiered rate structure based on your balance, with no service fees and a minimal opening balance requirement. Interest is compounded and credited monthly for added growth.

Right for: Savers looking for easy access to their funds and the ability to write checks, while earning a higher interest rate than a standard savings account.

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