On High Yield Money Market Accounts, if the daily balance is $10,000 or more, the interest rate paid on the entire balance in the account will be 3.683%with an annual percentage yield of 3.75%. If the daily balance falls below $10,000, the interest rate paid on the entire balance in the account will be 0.494% with an annual percentage yield of 0.50%. If the daily balance falls below $10,000, there is a $25 monthly service fee.

For all accounts, you must maintain minimum required balance in the account each day to obtain the annual percentage yield listed above. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you make a deposit. Savings accounts closed before the end of the quarter, Money Market, Health Savings, Interest Checking and N.O.W. accounts closed during a statement cycle will not earn accrued interest for that period.

Savings and Money Market Accounts (excluding Health Savings Account) are limited to six (6) preauthorized transfers, no more than three (3) of which may be by check, draft, check card, or similar order made to third parties per month. There is a service fee for over six (6) transfers or three (3) third party checks of $10 per item.

Consult your tax or legal professional about the tax benefits applicable to a Health Savings Account.

See account disclosure for terms and conditions. Fees may reduce earnings. Rate and annual percentage yield are subject to change without notice. MEMBER F.D.I.C.