Rates

Rates accurate as of 01/01/2017**

Interest Plus + Cash Back Checking
APY* Rate Min. Balance Required to Open Account Min. Balance to Earn APY*
Premium 6
$0.00 - $15,000.99 2 3.00% 2.96% $100.00 $0.01
$15,001.00 - above 2 0.50% 0.50% $100.00 $15,001.00
Advanced 6
$0.00 - $15,000.99 3 2.00% 1.98% $100.00 $0.01
$15,001.00 - above 3 0.50% 0.50% $100.00 $15,001.00
Basic
If requirements are not met 4 0.05% 0.05% $100.00 $0.01

Interest Plus + CASH BACK Tiers: Monthly Qualification Cycle (QC)*

Premium 6 Advanced 6 Basic 6
25 debit card transactions of $5 or more post & clear 10 debit card transactions of $5 or more post & clear Qualifications not met during monthly QC
1 automatic payment or direct deposit post & clear 1 automatic payment or direct deposit post & clear
Receive eStatement only 1 Receive eStatement only 1
Access Online Banking at least once during the monthly QC Access Online Banking at least once during the monthly QC
Bonus: 0.25% cash back on credit/signature based Mastercard debit card purchases of $50 or more. (Limit of $250 Cash Back per monthly QC) 5

1 Electronic statement is required. Account will be charged a monthly fee of $8.50 if not enrolled in eStatements. 2 An interest rate of 0.50% will be paid only for the portion of your daily balance that is greater than $15,000.99. The Annual Percentage Yield (APY) for this tier will range from 3.00% to 0.50% depending on the balance in the account. If your daily balance is $15,000.99 or less, the interest rate paid on the entire balance will be 2.96% with an APY of 3.00%. 3 An interest rate of 0.50% will be paid only for the portion of your daily balance that is greater than $15,000.99. The Annual Percentage Yield (APY) for this tier will range from 2.00% to 0.50% depending on the balance in the account. If your daily balance is $15,000.99 or less, the interest rate on the entire balance will be 1.98% with an APY of 2.00%. No cash back on purchases. 4 If you do not meet the monthly QC requirements, the interest rate on your entire balance will be 0.05% with an APY of 0.05%. No cash back or ATM fee refunds will be given for the monthly QC. 5 Credit/Signature based purchases: Simply swipe and sign! Pin-based transactions do not apply. Cash back bonus is paid per monthly QC. 6 This is one account which earns the Premium, Advanced or Basic APY on the monthly QC. Rates accurate as of 07/01/2016. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. However, you must deposit a minimum of $100 to open this account. Available to personal accounts only. Two accounts allowed per social security number. Unlimited ATM Domestic refunds if requirements are met. Fees could reduce earnings on the account. Qualifying transactions must post and clear the account during the monthly QC. “Monthly Statement Cycle” begins on the second Wednesday of each month and ends on the second Tuesday of the following month. “Monthly Qualification Cycle” is the same time period described in the “Monthly Statement Cycle”. Transactions may take one or more business days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying ACH transactions.


Preferred Plus Checking

APY* Rate Min. Balance Required to Open Account Min. Balance to Earn APY*
Preferred Plus Checking 0.10% 0.10% $100.00 $0.01


Money Market Account

APY* Rate Min. Balance Required to Open Account Min. Balance to Earn APY*
Tier 7 1.16% 1.15% $250,000.00
Tier 6 1.16% 1.15% $75,000.00
Tier 5 0.30% 0.30% $50,000.00
Tier 4 0.20% 0.20% $25,000.00
Tier 3 0.10% 0.10% $10,000.00
Tier 2 0.10% 0.10% $2,500.00
Tier 1 0.10% 0.10% $2,500.00 $0.01


Savings Plus Account/Business Savings

APY* Rate Min. Balance Required to Open Account Min. Balance to Earn APY*
Savings Plus Account/Business Savings 0.05% 0.05% $200.00 $0.01


Just 4 Kids Accounts

APY* Rate Min. Balance Required to Open Account Min. Balance to Earn APY*
$0.00 - $1,000.99 1

if requirements are met 7
4.00% 3.93% $0.01
$1,001.00 -above 1 0.10% 0.10% $1,001.00
If requirements are not met 1 0.10% 0.10% $25.00 $0.01

1 A service charge will apply if daily balance falls below minimum balance requirements. Fees could reduce earnings on the account. Certain transaction restrictions may apply on the account. One account per Social Security Number. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $1,000.99. The APY for this tier will range from 4.00% to 0.10% depending on the balance in the account. If your daily balance is $1,000.99 or less, the interest rate paid on the entire balance will be 3.93% with an APY of 4.00%. If you do not meet the requirements in a given cycle, the interest rate on your entire balance will be 0.10% with an APY of 0.10%. We may change the interest rate and APY at any time after the account is opened. 7 Meet this requirement during the monthly qualification cycle to earn interest - Have at least one deposit 


Business Money Market Account

APY* Rate Min. Balance Required to Open Account Min. Balance to Earn APY*
Tier 8 1.16% 1.15% $250,000.00
Tier 7 0.70% 0.70% $100,000.00
Tier 6 0.40% 0.40% $75,000.00
Tier 5 0.35% 0.35% $50,000.00
Tier 4 0.25% 0.25% $25,000.00
Tier 3 0.20% 0.20% $10,000.00
Tier 2 0.10% 0.10% $2,500.00
Tier 1 0.10% 0.10% $2,500.00 $0.01


Business Interest Account

APY* Rate Min. Balance Required to Open Account Min. Balance to Earn APY*
Tier 5 0.70% 070% $100,000.00
Tier 4 0.25% 0.25% $75,000.00
Tier 3 0.10% 0.10% $50,000.00
Tier 2 0.10% 0.10% $25,000.00
Tier 1 0.10% 0.10% $100.00 $0.01


Certificate of Deposits/IRAs ***


APY* Rate Min. Balance Required to Open Account Min. Balance to Earn APY*
3 month 0.10% 0.10% $1,000.00 $0.01
6 month 0.20% 0.20% $1,000.00 $0.01
1 year ADD-to 0.30% 0.30% $1,000.00 $0.01
1 year 0.35% 0.35% $1,000.00 $0.01
2 year 0.60% 0.60% $1,000.00 $0.01
3 year 0.80% 0.80% $1,000.00 $0.01
IRA Wildcard 18 Month 0.60% 0.60% $1,000.00 $0.01

***Early Withdrawal Penalty Applies

*APY=Annual Percentage Yield

**Interest rates and Annual Percentage Yield(APY) may change after account opening. Fees could reduce earnings on the account. Interest will be compounded and credited to the account monthly or quarterly depending on the type of account. Please contact a customer service representative at 501-663-3306 for further information.