Effective: November 1, 2022

Consumer Deposit Rate Sheet

ProductInterest RateAPY*Minimum Opening Balance
Personal Checking0.000%0.00%$500.00
Personal NOW
$0-$1,499
$1500+

0.000%
0.100%

0.00%
0.10%
$1,500.00
Personal Money Market
$0-$2,499
$2,500-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000-$99,999
$100,000+

0.000%
1.980%
1.980%
1.980%
1.980%
1.980%

0.00%
2.00%
2.00%
2.00%
2.00%
2.00%
$2,500.00
Platinum Money Market12.713%2.75%$2,500.00
Personal ICS Money Market22.567%2.60%$2,500.00
Statement Savings1.980%2.00%$250.00
Tiered Rate Personal Savings
$0-$9,999
$10,000-$99,999
$100,000-$249,000
$250,000+

1.980%
1.980%
1.980%
2.230%

2.00%
2.00%
2.00%
2.25%
$500.00
Kids Club Savings3
$0-$9,999
$10,000+

2.230%
0.797%

2.25%
0.80%
$1.00
IRA Savings0.300%0.30%$1,000.00

Certificate of Deposits4

ProductInterest RateAPY*Minimum Opening Balance
3-5 Month1.981%2.00%$1,000.00
6-8 Month1.981%2.00%$1,000.00
9-11 Month4.402%4.50%$1,000.00
12-17 Month3.923%4.00%$1,000.00
18-23 Month3.923%4.00%$1,000.00
24-29 Month4.067%4.15%$1,000.00
30-35 Month4.067%4.15%$1,000.00
36-47 Month4.115%4.20%$1,000.00
48-59 Month4.163%4.25%$1,000.00
60 Month CD4.211%4.30%$1,000.00

Individual Retirement Accounts (IRA’S)

ProductInterest RateAPY*Minimum Opening Balance
3-5 Month1.981%2.00%$1,000.00
6-8 Month1.981%2.00%$1,000.00
9-11 Month1.981%2.00%$1,000.00
12-17 Month3.682%3.75%$1,000.00
18-23 Month3.682%3.75%$1,000.00
24-29 Month3.778%3.85%$1,000.00
30-35 Month3.778%3.85%$1,000.00
36-47 Month3.392%3.45%$1,000.00
48-59 Month3.392%3.45%$1,000.00
60 Month CD3.489%3.55%$1,000.00

*Annual Percentage Yield

Rates and APYs are subject to change at any time. Fees assessed to account may reduce the earnings. The disclosed rates on
variable accounts (i.e. Checking, NOW, Savings, and Money Market ) may change after account opening. Early withdrawal
penalties may apply to all Certificate of Deposit and Individual Retirement Accounts.

1 Relationship balance of $250,000 is required to be eligible for this account.
2 ICS Money Market accounts with relationship balances $5,000,000+ and existing operating account over $250,000 and
individual account balance not exceeding $10,000,000 are eligible for Platinum Money Market. Accounts with balances
exceeding $10,000,000 will be eligible for ICS Money Market
3 Account owner must be under the age of 18 to be eligible and the custodian must be an existing customer.
4 CDARS available through Promontory at 0.15% less than Certificate of Deposit rates posted unless relationship is
$5,000,000+, existing DDA relationship over $250,000, and individual accounts have balance not exceeding $10,000,000.
In those cases, CDARS rate will be same as CD rates listed above.

Business Deposit Rate Sheet

ProductInterest RateAPY*Minimum Opening Balance
Commercial Checking0.000%0.00%$1,000.00
Commercial NOW
$0-$1,499
$1,500+

0.000%
0.100%

0.00%
0.10%
$1,500.00
Commercial Money Market
$0-$2,499
$2,500-$9,999
$10,000-$24,999
$25,000-$49,999
$50,000-$99,999
$100,000+

0.000%
1.980%
1.980%
1.980%
1.980%
1.980%

0.00%
2.00%
2.00%
2.00%
2.00%
2.00%
$2,500.00
Commercial Platinum Money Market12.713%2.75%$2,500.00
Commercial ICS Money Market22.567%2.60%$2,500.00
Commercial Statement Savings1.980%2.00%$250.00
Commercial Tiered Rate Savings
$0-$9,999
$10,000-$99,999
$100,000-$249,000
$250,000+

1.980%
1.980%
1.980%
2.230%

2.00%
2.00%
2.00%
2.25%
$500.00
IOLTA2.230%2.25%$0.00
MAHT0.100%0.10%$0.00

Certification of Deposits3

ProductInterest RateAPY*Minimum Opening Balance
3-5 Month1.981%2.00%$1,000.00
6-8 Month1.981%2.00%$1,000.00
9-11 Month4.402%4.50%$1,000.00
12-17 Month3.923%4.00%$1,000.00
18-23 Month3.923%4.00%$1,000.00
24-29 Month4.067%4.15%$1,000.00
30-35 Month4.067%4.15%$1,000.00
36-47 Month4.115%4.20%$1,000.00
48-59 Month4.163%4.25%$1,000.00
60 Month CD4.211%4.30%$1,000.00