Rates

¹ Rates and APY may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only. Client must have an Interest Checking account to open Interest Savings. Interest earned on Interest Checking and ATM refunds are automatically swept into your Interest Savings account as part of our automatic saving plan. If you do not meet the requirements per cycle, your account will still function as a free saving account earning the standard APY, however, your account will not receive ATM refunds for that time period. Account may be subject to 1099-MISC or 1099-INT IRS reporting. Your Interest Savings account is linked to your Interest Checking account, you only need to meet your Interest Checking account qualifications each cycle to qualify for the Interest Savings.

To receive the high interest for Interest Checking and Savings and nationwide ATM fee refunds you must perform the following qualifications each statement cycle:

1. Make 10 point of sale transactions using your Visa debit card, per qualification cycle.
2. Have a valid e-mail address on file and receive your monthly statement electronically.
3. Initiate one direct deposit or pre-authorized electronic payment.

² Designated charity will be awarded $.10 for every point of sale (POS) purchase made above $15.00. Rates and APY may change after the account is opened. Fees may reduce earnings. No minimum balance required. No monthly service charge. Available to personal accounts only. If you do not meet the requirements per cycle, the base interest earned on the account will still be donated to the designated charity, your account will still function as a free checking account, however, your account will not receive ATM refunds for that time period and your charity will not be awarded the interchange revenue. Account may be subject to 1099-MISC or 1099-INT IRS reporting. ATM refunds are conditional to requirements being met.

To receive the high interest for Premier Community Giving checking and nationwide ATM fee refunds you must perform the following qualifications each statement cycle:

1. Make 10 point of sale transactions using your Visa debit card, per qualification cycle.
2. Have a valid e-mail address on file and receive your monthly statement electronically.
3. Initiate one direct deposit or pre-authorized electronic payment.

³ Make up to 6 pre-authorized transfer per statement cycle or month. Excess transactions will be charged $10.00 each. Excessive transaction will result in modification of account. Fees may reduce earnings.

⁴ Make up to 6 pre-authorized transfer per statement cycle or month. Excess transactions will be charged $10.00 each. Excessive transaction will result in modification of account. Fees may reduce earnings.

⁵ Annual Percentage Yield (APY) is subject to change or termination without notice. $2,500 minimum to open and to obtain APY. Interest compounds daily and is credited annually, monthly or at maturity (for CD terms less than 12 months). Substantial penalty for early withdrawal. See account disclosure for terms and conditions.

⁶ Annual Percentage Yield (APY) is subject to change or termination without notice. $2,500 minimum to open and to obtain APY. Interest compounds daily and is credited annually, monthly or at maturity (for CD terms less than 12 months). Substantial penalty for early withdrawal. See account disclosure for terms and conditions.

⁷ Annual Percentage Yield (APY) is subject to change or termination without notice. $10,000 minimum to open and to obtain APY. Interest compounded daily and paid monthly. One rate adjustment allowed during initial term of CD. Substantial penalty for early withdrawal. See account disclosure for terms and conditions.

⁸ Because deposited funds are exchanged on a dollar-for-dollar basis with other institutions in the network, an institution can use the full amount of a deposit placed through CDARS for local lending, satisfying some depositors' local investment goals/mandates. Alternatively, with a depositor's consent, an institution may choose to receive fee income instead of deposits from other institutions. Under these circumstances, deposited funds would not be available for local lending.

⁹ Customer aggregate CD holdings for two year and longer may not exceed $10 Million.

¹⁰ CDARS CD's - Annual Percentage Yields are subject to change at any time, however, the rate in effect when your certificate is opened is guaranteed to maturity. Minimum to open and obtain APY: $10,000. APY = Annual Percentage Yield. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. A penalty will be assessed for withdrawals of principal and interest prior to maturity. Fees can reduce APY earnings. Substantial penalty for early withdrawal. See account disclosure for terms and conditions. Your account will not automatically renew at maturity. If you do not notify the bank to renew your certificate, a check will be cut for the proceeds of the account and mailed to you. No additional deposits can be made to the CDARS CD's during the initial term until maturity.