1 APY=Annual Percentage Yield. Disclosed are the Dividend Rate and APY for all business savings, Enhanced Business Checking, business tiered money market, and certificate accounts. The minimum balance to open a business savings account is $.01. The minimum balance to open a business checking account is $0. The minimum balance to open a business tiered money market account is $500. There is no minimum balance to open an IOLA Checking Account. The minimum balance to open a certificate account is $500. The minimum balance to open a jumbo certificate account or a jumbo IRA certificate account and earn the stated APY plus .05% is $50,000, or $100,000 to earn stated APY plus .10%. For business savings, Enhanced Business Checking, and business tiered money market accounts Regular tier, there is no minimum balance required in order to earn the disclosed APY. There is no minimum balance required to earn the disclosed APY for all savings and checking accounts. A minimum daily balance of $500 for money market first tier, $10,000 for money market second tier, $50,000 for money market third tier, $100,000 for money market fourth tier, and $250,000 for money market fifth tier must be maintained to earn the respective APYs. For IOLA Checking Accounts $0-$9,999,99 tier, there is no minimum balance required to earn the disclosed APY. A minimum daily balance of $10,000 for the IOLA Checking Account $10,000 tier must be maintained to earn the respective APY.
Fees or other conditions could reduce earnings on any of the listed accounts. A substantial penalty
will be imposed for early withdrawals of certificate accounts. For purposes of this disclosure, these Dividend Rates and APYs are offered within the most recent seven calendar days and are accurate as of the date set forth in this page. All accounts are subject to the applicable terms and conditions set forth in the Business Account Agreement, Disclosure and Account Agreement for Certificates and IRA Certificates, the Business Fee Schedule, and any agreement to which the Business Account Agreement references.
APY=Annual Percentage Yield. Disclosed are the Dividend Rate, APY, and minimum opening balance to earn the stated APY for Flex Certificate Accounts. The variable Dividend Rate and APY are effective 9/1/23 through 12/31/23. The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate on the last Thursday of each quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate is subject to change after account opening. IRA and Jumbo Flex Certificate Accounts earn the same Dividend Rate and APY as regular Flex Certificate Accounts. A substantial penalty
will be imposed for early withdrawal.