Savings Accounts

REALSaver®
*Rates may change after the account is opened. Minimum to open REWARDChecking® account is $10 and $10 for REALSaver®. REWARDChecking® rate tiers are as follows: Tier 1 applies to balances of $.01 - $10,000 and Tier 2 applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. Base Rate applies to all balances if qualifications are not met. All balances will earn Tier 1 and 2 rates if qualifications are met. The APY disclosed assumes that REWARDChecking® interest is not compounded when linked to REALSaver®, because the interest is automatically transferred to the REALSaver® account at the end of the monthly qualification cycle. The interest from the REWARDChecking® account transfers to the REALSaver® account, whether the qualifications are met or not.
Qualifying transactions must post and clear to the REWARDChecking® account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. REALSaver® rate tiers are as follows: Tier 1 applies to balances of $0.01 - $50,000 and Tier 2 applies to balances over $50,000 if qualifications are met during the monthly qualification cycle on the REWARDChecking® account. The Base Rate applies to all balances if qualifications are not met on the REWARDChecking®. All balances will earn Tier 1 and 2 rates if qualifications are met on the REWARDChecking®. Fees may reduce earnings.
**ATM Fee reimbursements (REWARDChecking® account only) up to $15 per month and $5 per item provided only if qualifications are met within the monthly qualification cycle.

Statement Savings Account
Minimum balance to open the account is $10.00.
*Minimum balance to avoid fees – A fixed charge of $3.00 will be applied every statement cycle if the balance in this account falls below $100.00 any day of
the cycle.
**Minimum balance to obtain the Annual Percentage Yield disclosed –You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed Annual Percentage Yield.

Money Market Account
Transaction limitations – Transfers from any savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than six by check, draft, debit card, or similar order to third parties. $10.00 Regulation D Violation fee applies to applicable transactions greater than six per statement cycle.

Individual Retirement Account (IRA)
*Consult your tax advisor to find out if your contributions, earnings or distributions are eligible for tax deductions and/or deferral.