Deposit Rates

CD Specials

Account Type	Opening Balance	Interest Rate	APY*
3 Month CD	$1,000	5.36%	5.51%
6 Month CD	$1,000	5.17%	5.31%

**Annual Percentage Yield. The minimum to open and obtain the APY is $1,000. Rates are fixed, compounded monthly. Withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Refer to Truth-in Savings disclosure for complete details. Interest rates and APY's are effective 1/15/2024. Available for personal and business accounts.

Account Type	Opening Balance	Interest Rate	APY*
9 Month Add Up CD	$50,000	5.15%	5.28%

Once your CD Account is opened, you may make up to three (3) additional deposits to your account during the nine (9) month term. The aggregate amount of all additional deposits cannot exceed the opening amount of the CD. Further restrictions may apply, please contact a bank representative.

**Annual Percentage Yield. The minimum to open and obtain the APY is $50,000. Rates are fixed, compounded monthly. Withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Refer to Truth-in Savings disclosure for complete details. Interest rates and APY's are effective 1/15/2024. Available for personal and business accounts.

Personal Accounts

Account Type	Minimum Balance to Pay Interest	Interest Rate*	APY**
iChecking◊	All Balances up to $10,000 with Tiered Rates	2.00%	2.02%
iChecking◊	All Balances up to $10,000 with Tiered Rates	1.49%	1.50%
iChecking◊	All Balances up to $10,000 with Tiered Rates	0.05%	0.05%
Platinum Checking	$1,000	0.05%	0.05%
Savings	$100	0.05%	0.05%
Young Savers	$25	0.05%	0.05%
American Select Savings◊◊	$100	2.48%	2.50%
Money Market	$1,000	$0.00 - $999.99: 0.00%	$0.00 - $999.99: 0.00%
Money Market	$1,000	$1,000 - $9,999.99: 0.10%	$1,000 - $9,999.99: 0.10%
Money Market	$1,000	$10,000 and above: 0.36%	$10,000 and above: 0.36%
American Advantage Money Market	$10,000 with Tiered Rates	$10,000 - $99,999.99: 0.36%	$10,000 - $99,999.99: 0.36%
American Advantage Money Market	$10,000 with Tiered Rates	$100,000 - $199,999.99: 0.46%	$100,000 - $199,999.99: 0.46%
American Advantage Money Market	$10,000 with Tiered Rates	$200,000 - $349,999.99: 0.56%	$200,000 - $349,999.99: 0.56%
American Advantage Money Market	$10,000 with Tiered Rates	$350,000 and above: 0.76%	$350,000 and above: 0.76%

*Interest Rates are effective as of 1/15/2024 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield

◊ iChecking Interest Reward Requirements:
Direct Deposit required to earn Interest Rewards for this account
E-Statements required to earn Interest Rewards for this account
Tier 1 - 20 posted debit transactions required per statement cycle
Tier 2 - 7 posted debit transactions required per statement cycle
Tier 3 - less than 7 posted debit transactions and/or Direct Deposit or E-Statement if requirements not met
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle

◊◊American Select Savings

Quarterly Service Charge: $5.00 if daily balance falls below the minimum balance any day of the statement cycle

Interest: Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in your account disclosure for each statement cycle

Withdrawals: An excess debit fee of $1.50 will be charged for each posted withdrawal or transfer, in excess of six (6) per statement cycle.

Quarterly Statements: eStatements are required. There will be a $5.00 service charge applied to the quarterly statement if you elect to receive a paper statement.

Business Accounts

Account Type	Minimum Balance to Pay Interest	Interest Rate*	APY**
Business NOW^◊^◊◊	All Balances	0.05%	0.05%
Money Market	$1,000	$0.00 - $999.99: 0.00%	$0.00 - $999.99: 0.00%
Money Market	$1,000	$1,000.00 - $9,999.99: 0.10%	$1,000.00 - $9,999.99: 0.10%
Money Market	$1,000	$10,000.00 - and above: 0.36%	$10,000.00 - and above: 0.36%
American Advantage Money Market	$10,000	$0.00 - $9,999.00: 0.00%	$0.00 - $9,999.00: 0.00%
American Advantage Money Market	$10,000	$10,000 - $99,999.99: 0.36%	$10,000 - $99,999.99: 0.36%
American Advantage Money Market	$10,000	$100,000 - $199,999.99: 0.46%	$100,000 - $199,999.99: 0.46%
American Advantage Money Market	$10,000	$200,000 - $349,999.99: 0.56%	$200,000 - $349,999.99: 0.56%
American Advantage Money Market	$10,000	$350,000 and above: 0.76%	$350,000 and above: 0.76%

*Interest Rates are effective as of 1/15/2024 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield
◊◊◊non-profit organizations, sole proprietors and government entities only
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle

CDs/IRAs

Term	Opening Balance Requirement	Interest Rate*	APY**
1 Month	$1,000	0.05%	0.05%
3 Month	$1,000	5.36%	5.51%
6 Month	$1,000	5.17%	5.31%
12 Month	$1,000	5.00%	5.13%
15 Month Flex◊◊◊◊	$1,000	4.07%	4.15%
18 Month	$1,000	1.50%	1.51%
24 Month	$1,000	1.99%	2.01%
36 Month	$1,000	1.50%	1.51%
48 Month	$1,000	1.50%	1.51%
60 Month	$1,000	1.50%	1.51%

◊◊◊◊ Once your CD Account is opened, and prior to the maturity date of the CD, you may make a single request to increase the interest rate that is paid on your CD that is commensurate with the interest rate that is being paid on the same CD Account, having the same term to maturity as your original account. You may make this request in writing to us at the address shown in this agreement, or by contacting your local branch office. The increased interest rate will be paid on your account until the maturity date. Further restrictions may apply, please contact a bank representative.

*Interest Rates are effective as of 1/15/2024 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle.