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Personal Checking & Savings Accounts

Effective Date: 11/13/2025

Rates for Personal checking and savings accounts

Rate
Interest RateA
Premium NOW Checking
0.50%
Regular Savings
0.40%
IRA Savings
0.80%
Next Generation Savings
0.40%
Rate
Annual Percentage Yield (APY)
Premium NOW Checking
0.50%
Regular Savings
0.40%
IRA Savings
0.80%
Next Generation Savings
0.40%
Rate
Opening Deposit
Premium NOW Checking
$100
Regular Savings
$100
IRA Savings
$100
Next Generation Savings
$75
Rate
Monthly Service FeeB
Premium NOW Checking
$0 ($10 if balance falls below $1,000)
Regular Savings
$0 ($4 if balance falls below $200)
IRA Savings
$0 ($5 if balance falls below $250)
Next Generation Savings
$0
Rates for Personal checking and savings accounts
RatePremium NOW CheckingRegular SavingsIRA SavingsNext Generation Savings
Interest RateA0.50%0.40%0.80%0.40%
Annual Percentage Yield (APY)0.50%0.40%0.80%0.40%
Opening Deposit$100$100$100$75
Monthly Service FeeB$0 ($10 if balance falls below $1,000)$0 ($4 if balance falls below $200)$0 ($5 if balance falls below $250)$0

A All products and services are subject to approval. Rates may change after the account is opened. Fees could reduce earnings on the account.

B Service charges based on the lowest monthly balance.

Certificates of Deposit SpecialsC

Effective Date: 11/13/2025

Rates for Certificate of Deposit Specials

Rate
Interest RateC
4-month
3.83%
7-month
3.74%
11-month
3.64%
Rate
Annual Percentage Yield (APY)
4-month
3.90%
7-month
3.80%
11-month
3.70%
Rate
Minimum Deposit
4-month
$5,000 (not available with IRAs)
7-month
$5,000 (not available with IRAs)
11-month
$5,000 (not available with IRAs)
Rates for Certificate of Deposit Specials
Rate4-month 7-month 11-month
Interest RateC3.83%3.74% 3.64%
Annual Percentage Yield (APY) 3.90%3.80%3.70%
Minimum Deposit$5,000 (not available with IRAs)$5,000 (not available with IRAs)$5,000 (not available with IRAs)

C The Annual Percentage Yield (APY) for Certificates of Deposit assumes interest will remain on the deposit before maturity. A withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.

Certificates of DepositD

Effective Date: 11/13/2025

Rates for Certificates of Deposit

Rate
Interest RateD
3-month
1.64%
6-month
2.37%
12-month
2.47%
18-month
2.62%
24-month
2.86%
Rate
Annual Percentage Yield (APY))
3-month
1.65%
6-month
2.40%
12-month
2.50%
18-month
2.65%
24-month
2.90%
Rate
Minimum Deposit
3-month
$1,000
6-month
$1,000
12-month
$1,000
18-month
$1,000
24-month
$1,000
Rates for Certificates of Deposit
Rate3-month6-month12-month18-month24-month
Interest RateD1.64%2.37%2.47%2.62%2.86%
Annual Percentage Yield (APY))1.65%2.40%2.50%2.65%2.90%
Minimum Deposit$1,000$1,000$1,000$1,000$1,000

D The Annual Percentage Yield (APY) for Certificates of Deposit assumes interest will remain on the deposit before maturity. A withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.

IRA Certificates of DepositE,F

Effective Date: 11/13/2025

Rates for Individual Retirement Account Certificates of Deposit

Rate
Interest RateE
3-month
1.64%
6-month
2.37%
12-month
2.47%
18-month
2.62%
24-month
2.86%
Rate
Annual Percentage Yield (APY)
3-month
1.65%
6-month
2.40%
12-month
2.50%
18-month
2.65%
24-month
2.90%
Rate
Minimum Deposit
3-month
$1,000
6-month
$1,000
12-month
$1,000
18-month
$1,000
24-month
$1,000
Rates for Individual Retirement Account Certificates of Deposit
Rate3-month6-month12-month18-month 24-month
Interest RateE1.64%2.37%2.47% 2.62%2.86%
Annual Percentage Yield (APY)1.65% 2.40% 2.50%2.65% 2.90%
Minimum Deposit$1,000$1,000$1,000$1,000$1,000

E The Annual Percentage Yield (APY) for Certificates of Deposit assumes interest will remain on the deposit before maturity. A withdrawal will reduce earnings. Minimum deposits and balances required to earn APY are subject to change at any time. A penalty may be imposed for early withdrawal.

F Early withdrawals prior to 59 ½ years of age are subject to the IRS 10% penalty. Traditional IRAs require income taxes to be paid upon withdrawal. For more information on penalties and penalty exceptions, contact out Customer Care team at (636) 940-5555.

Money Market Account SpecialsG

Effective Date: 11/13/2025

Rates for Money Market Account Specials

Rate
TermG
$25,000+
6-month guaranteed rate
$50,000+
6-month guaranteed rate
Rate
Interest Rate
$25,000+
3.59%
$50,000+
3.83%
Rate
Annual Percentage Yield (APY)
$25,000+
3.65%
$50,000+
3.90%
Rate
Opening Deposit
$25,000+
$25,000
$50,000+
$50,000
Rate
Monthly Service FeeH
$25,000+
$0 ($10 if balance falls below $1,000)
$50,000+
$0 ($10 if balance falls below $1,000)
Rates for Money Market Account Specials
Rate$25,000+ $50,000+
TermG 6-month guaranteed rate6-month guaranteed rate
Interest Rate3.59% 3.83%
Annual Percentage Yield (APY)3.65% 3.90%
Opening Deposit $25,000 $50,000
Monthly Service FeeH$0 ($10 if balance falls below $1,000)$0 ($10 if balance falls below $1,000)

G To take advantage of this offer, you must fund your money market account with a minimum deposit of $25,000 or $50,000 transferred from another bank. Offer activation as of January 30, 2023, and subject to change at any time. Six months after opening the account, the annual percentage yield (APY) is subject to change at any time. Interest is paid on full account balance. The required minimum balance to avoid $10 monthly service charge is $1,000.

H Service charges based on the lowest monthly balance.

Personal Money Market AccountsI

Effective Date: 11/13/2025

Rates for personal Money Market accounts

Rate
Interest Rate I
$200,000+
0.85%
$50,000 – $199,999
0.65%
Under $50,000
0.60%
Rate
Annual Percentage Yield (APY)
$200,000+
0.85%
$50,000 – $199,999
0.65%
Under $50,000
0.60%
Rate
Opening Deposit
$200,000+
$1,000
$50,000 – $199,999
$1,000
Under $50,000
$1,000
Rate
Monthly Service Fee J
$200,000+
$0 ($10 if balance falls below $1,000)
$50,000 – $199,999
$0 ($10 if balance falls below $1,000)
Under $50,000
$0 ($10 if balance falls below $1,000)
Rates for personal Money Market accounts
Rate $200,000+$50,000 – $199,999Under $50,000
Interest Rate I 0.85% 0.65% 0.60%
Annual Percentage Yield (APY)0.85%0.65% 0.60%
Opening Deposit $1,000 $1,000 $1,000
Monthly Service Fee J $0 ($10 if balance falls below $1,000) $0 ($10 if balance falls below $1,000) $0 ($10 if balance falls below $1,000)

I All products and services are subject to approval. Rates may change after the account is opened. Fees could reduce earnings on the account.

J Service charges based on the lowest monthly balance.

Health Savings AccountsK

Effective Date: 11/13/2025

Rates for individual health savings accounts

Rate
Interest RateK
$25,000+
1.05%
$10,000 – $24,999
0.90%
$2,500 – $9,999
0.80%
Under $2,500
0.50%
Rate
Annual Percentage Yield (APY)
$25,000+
1.05%
$10,000 – $24,999
0.90%
$2,500 – $9,999
0.80%
Under $2,500
0.50%
Rate
Monthly Service Fee
$25,000+
$2
$10,000 – $24,999
$2
$2,500 – $9,999
$2
Under $2,500
$2
Rates for individual health savings accounts
Rate$25,000+ $10,000 – $24,999$2,500 – $9,999Under $2,500
Interest RateK1.05%0.90%0.80%0.50%
Annual Percentage Yield (APY)1.05%0.90%0.80%0.50%
Monthly Service Fee$2$2$2$2

K All products and services are subject to approval. Rates may change after the account is opened. Fees could reduce earnings on the account.

Business Rates

Business Checking & Savings AccountsL

Effective Date: 11/13/2025

Business checking and savings account features and rates

Rate
Interest RateL
Business NOW CheckingN
0.50%
Corporate Savings
0.40%
Rate
Annual Percentage Yield (APY)
Business NOW CheckingN
0.50%
Corporate Savings
0.40%
Rate
Opening Deposit
Business NOW CheckingN
$100
Corporate Savings
$100
Rate
Monthly Service Fee
Business NOW CheckingN
$10
Corporate Savings
$0 ($4 if balance falls below $300)M
Business checking and savings account features and rates
Rate Business NOW CheckingNCorporate Savings
Interest RateL 0.50%0.40%
Annual Percentage Yield (APY)0.50% 0.40%
Opening Deposit $100 $100
Monthly Service Fee $10$0 ($4 if balance falls below $300)M

L All products and services are subject to approval. Rates may change after the account is opened. Fees could reduce earnings on the account.

M Service charges based on the lowest monthly balance.

N Monthly activity charges are assessed at: Credits $0.35; Debits $0.15; Checks deposited $0.12.

Business Money Market AccountsO

Effective Date: 11/13/2025

Rates for business Money Market accounts

Rate
Interest RateO
$200,000+
0.85%
$50,000 – $199,999
0.65%
Under $50,000
0.60%
Rate
Annual Percentage Yield (APY)
$200,000+
0.85%
$50,000 – $199,999
0.65%
Under $50,000
0.60%
Rate
Opening Deposit
$200,000+
$1,000
$50,000 – $199,999
$1,000
Under $50,000
$1,000
Rate
Monthly Service FeeP
$200,000+
$0 ($10 if balance falls below $1,000)
$50,000 – $199,999
$0 ($10 if balance falls below $1,000)
Under $50,000
$0 ($10 if balance falls below $1,000)
Rates for business Money Market accounts
Rate $200,000+$50,000 – $199,999Under $50,000
Interest RateO0.85% 0.65% 0.60%
Annual Percentage Yield (APY)0.85% 0.65% 0.60%
Opening Deposit$1,000$1,000$1,000
Monthly Service FeeP$0 ($10 if balance falls below $1,000)$0 ($10 if balance falls below $1,000)$0 ($10 if balance falls below $1,000)

O All products and services are subject to approval. Rates may change after the account is opened. Fees could reduce earnings on the account.

P Service charges based on the lowest monthly balance.