Account Rates

Table data for Checking
11-30-2022
	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 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
11-30-2022
	Minimum to Open & Earn APY	Dividend Rate	APY*¹
Savings Account	$5	.10%	.10%

*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
11-30-2022
	Minimum to Open & Earn Annual Percentage Yield	Dividend Rate	Annual Percentage Yield¹
Average Balance of $1,000 - $49,999	$1,000	.90%	.90%²

Average Balance of $50,000 - $99,999	$1,000	1.00%	1.00%²

Average Balance of $100,000 - $249,000	$1,000	1.25%	1.26%

Average Balance of $250,000 - $499,000	$1,000	1.35%	1.36%

Average Balance of $500,000 and above	$1,000	1.50%	1.51%

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

Table data for IRA Share Account
11-30-2022
	Minimum to Open & Earn APY*	Dividend Rate	APY*
IRA Share Account	$5	.10%	.10%

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

Table data for IRA Variable-Rate Certificate
11-30-2022
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
18 month certificate	$5	Under $25,000	.60%	.60%

		$25,000 and Over	.75%	.75%

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

Table data for IRA Fixed-Rate Certificate
11-30-2022
Type	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
12 to 23 Months	$1,000	Under $25,000	1.25%	1.26%

		$25,000 and Over	1.40%	1.41%

24 to 35 Months	$1,000	Under $25,000	1.50%	1.51%

		$25,000 and Over	1.65%	1.66%

36 to 59 Months	$1,000	Under $25,000	1.50%	1.51%

		$25,000 and Over	1.65%	1.66%

60 Months & Above	$1,000	Under $25,000	1.50%	1.51%

		$25,000 and Over	1.65%	1.66%

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

Table data for SPECIAL FIXED RATE CERTIFICATES
11-30-2022
Term	Minimum to Open & Earn APY*	Dividend Rate	APY*
18 Months	$1,000	3.00%	3.03%

30 Months	$1,000	3.55%	3.60%

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

Table data for SPECIAL IRA FIXED RATE CERTIFICATES
11-30-2022
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
18 Months	$1,000	Under $25,000	3.00%	3.03%

		$25,000 and Over	3.00%	3.03%

30 Months	$1,000	Under $25,000	3.55%	3.60%

		$25,000 and Over	3.55%	3.60%

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

Table data for Term Share Certificate (Fixed Rate)
11-30-2022
Term	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
90 to 179 days	$1,000	Under $25,000	.40%	.40%

		$25,000 and Over	.55%	.55%

180 to 364 days	$1,000	Under $25,000	1.00%	1.00%

		$25,000 and Over	1.15%	1.16%

12 to 23 Months	$1,000	Under $25,000	1.25%	1.26%

		$25,000 and Over	1.40%	1.41%

24 to 35 Months	$1,000	Under $25,000	1.50%	1.51%

		$25,000 and Over	1.65%	1.66%

36 to 59 Months	$1,000	Under $25,000	1.50%	1.51%

		$25,000 and Over	1.65%	1.66%

60 Months & Above	$1,000	Under $25,000	1.50%	1.51%

		$25,000 and Over	1.65%	1.66%

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

Table data for Future Saver Certificate (variable rate)
11-30-2022
Term	Minimum to Open & Earn APY*	Dividend Rate	APY*
12 to 60 Months	$25	.65%	.65%

*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)
11-30-2022
Term	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
12 Month	$25	Under $5,000	1.80%	1.81%

12 Month	$25	$5,001 and Over	.75%	.75%

*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)
11-30-2022
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
11-30-2022
Type	Minimum to Open & Earn APY	Balance Tier	Dividend Rate	APY*
Share Account	$5	Under $25,000	.10%	.10%

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

Table data for Coverdell Education Savings (fixed rate)
11-30-2022
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
1 year certificate	$500	Under $25,000	1.25%	1.26%

		$25,000 and Over	1.40%	1.41%

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

Table data for Coverdell Education Savings (variable rate)
11-30-2022
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
18 month certificate	$5	Under $25,000	.60%	.60%

		$25,000 and Over	.75%	.75%

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