Account Rates

Table data for Checking
03-21-2023
	Minimum to Open & Earn APY*	Dividend Rate	APY*¹
SimplySmarter Checking Account	$25²	.05%	.05%

*APY: Annual Percentage Yield
¹Rates are subject to change after account opening.↵ ²A minimum average daily balance of $500 must be maintained in your account each day to obtain the disclosed APY. Fees could reduce earnings.↵

Table data for Savings
03-21-2023
	Minimum to Open & Earn APY*	Dividend Rate	APY*¹
Savings Account	$5	.20%	.20%

*APY: Annual Percentage Yield. Interest is compounded monthly. Fees may reduce earnings.
¹Rates are subject to change after account opening.↵

Table data for Power Account
03-21-2023
	Minimum to Open & Earn APY*	Dividend Rate	APY*¹
Average Balance of $1,000 - $49,999	$1,000	1.50%	1.51%²

Average Balance of $50,000 - $99,999	$1,000	2.00%	2.02%²

Average Balance $100,000 - $249,000	$1,000	2.00%	2.02%

Average Balance of $250,000 - $499,000	$1,000	2.50%	2.53%

Average Balance of $500,000 and above	$1,000	2.50%	2.53%%

*APY: Annual Percentage Yield
¹Rates are subject to change after account opening.↵ ²A minimum average daily balance of $1,000 must be maintained in your account each day to obtain the disclosed APY.↵

Table data for Special Fixed Rate Certificates
03-21-2023
Term	Minimum to Open & Earn APY*	Dividend Rate	APY*
18 Months	$1,000	4.00%	4.06%

*APY: Annual Percentage Yield. Early withdrawal penalties may apply.

Table data for Special IRA Fixed Rate Certificates
03-21-2023
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
18 Months	$1,000	Under $25,000	4.00%	4.06%

		$25,000 and Over	4.00%	4.06%

*APY: Annual Percentage Yield. Early withdrawal penalties may apply.

Table data for IRA Share Account
03-21-2023
	Minimum to Open & Earn APY*	Dividend Rate	APY*
IRA Share Account	$5	.20%	.20%

*APY: Annual Percentage Yield. Rates are subject to change after account opening.

Table data for IRA Variable-Rate Certificate
03-21-2023
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
18 month certificate	$5	Under $25,000	4.00%	4.06%

		$25,000 and Over	4.15%	4.22%

*APY: Annual Percentage Yield. Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for IRA Fixed-Rate Certificate
03-21-2023
Type	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
12 to 23 Months	$1,000	Under $25,000	1.75%	1.76%

		$25,000 and Over	1.90%	1.92%

24 to 35 Months	$1,000	Under $25,000	2.00%	2.02%

		$25,000 and Over	2.15%	2.17%

36 to 59 Months	$1,000	Under $25,000	2.10%	2.12%

		$25,000 and Over	2.25%	2.27%

60 Months & Above	$1,000	Under $25,000	2.25%	2.27%

		$25,000 and Over	2.40%	2.42%

*APY: Annual Percentage Yield. Early withdrawal penalties may apply.

Table data for Term Share Certificate (Fixed Rate)
03-21-2023
Term	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
90 to 179 days	$1,000	Under $25,000	.75%	.75%

		$25,000 and Over	.90%	.90%

180 to 364 days	$1,000	Under $25,000	1.25%	1.26%

		$25,000 and Over	1.40	1.41%

12 to 23 Months	$1,000	Under $25,000	1.75%	1.76%

		$25,000 and Over	1.90%	1.92%

24 to 35 Months	$1,000	Under $25,000	2.00%	2.02%

		$25,000 and Over	2.15%	2.17%

36 to 59 Months	$1,000	Under $25,000	2.10%	2.12%

		$25,000 and Over	2.25%	2.27%

60 Months & Above	$1,000	Under $25,000	2.25%	2.27%

		$25,000 and Over	2.40%	2.42%

*APY: Annual Percentage Yield. Early withdrawal penalties may apply.

Table data for Future Saver Certificate (variable rate)
03-21-2023
Term	Minimum to Open & Earn APY*	Dividend Rate	APY*
12 to 60 Months	$25	1.00%	1.01%

*APY: Annual Percentage Yield. Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Future Saver Plus Certificate (variable rate)
03-21-2023
Term	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
12 Month	$25	Under $5,000	2.00%	2.02%

12 Month & Over	$25	$5,001 and Over	1.10%	1.11%

*APY: Annual Percentage Yield. Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Uniform Transfer to Minor Act (variable rate)
03-21-2023
Term	Minimum to Open & Earn APY*	Dividend Rate	APY*
12 months	$5	2.15%	2.17%

*APY: Annual Percentage Yield. Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Coverdell Education Savings
03-21-2023
Type	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
Share Account	$5	Under $25,000	.20%	.20%

*APY: Annual Percentage Yield. Rates are subject to change after account opening.

Table data for Coverdell Education Savings (fixed rate)
03-21-2023
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
1 year certificate	$500	Under $25,000	1.75%	1.76%

		$25,000 and Over	1.90%	1.92%

*APY: Annual Percentage Yield. Early withdrawal penalties may apply.

Table data for Coverdell Education Savings (variable rate)
03-21-2023
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
18 month certificate	$5	Under $25,000	4.00%	4.06%

		$25,000 and Over	4.15%	4.22%

*APY: Annual Percentage Yield. Rates are subject to change after account opening. Early withdrawal penalties may apply.