Account Rates

Table data for Checking
01-22-2022
	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
01-22-2022
	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
01-22-2022
	Minimum to Open & Earn Annual Percentage Yield	Dividend Rate	Annual Percentage Yield¹
Average Balance of $1,000 - $9,999	$1,000	.15%	.15%²

Average Balance $10,000 - $49,999	$1,000	.25%	.25%²

Average Balance $50,000 - $99,999	$1,000	.30%	.30%²

Average Balance $100,000 and above	$1,000	.35%	.35%

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
01-22-2022
	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
01-22-2022
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
18 month certificate	$5	Under $25,000	.50%	.50%

		$25,000 and Over	.65%	.65%

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

Table data for IRA Fixed-Rate Certificate
01-22-2022
Type	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
12 to 23 Months	$1,000	Under $25,000	.35%	.35%

		$25,000 and Over	.50%	.50%

24 to 35 Months	$1,000	Under $25,000	.45%	.45%

		$25,000 and Over	.60%	.60%

36 to 59 Months	$1,000	Under $25,000	.60%	.60%

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

60 Months & Above	$1,000	Under $25,000	.80%	.80%

		$25,000 and Over	.95%	.95%

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

Table data for Term Share Certificate (Fixed Rate)
01-22-2022
Term	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
90 to 179 days	$1,000	Under $25,000	.20%	.20%

		$25,000 and Over	.35%	.35%

180 to 364 days	$1,000	Under $25,000	.30%	.30%

		$25,000 and Over	.45%	.45%

12 to 23 Months	$1,000	Under $25,000	.35%	.35%

		$25,000 and Over	.50%	.50%

24 to 35 Months	$1,000	Under $25,000	.45%	.45%

		$25,000 and Over	.60%	.60%

36 to 59 Months	$1,000	Under $25,000	.60%	.60%

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

60 Months & Above	$1,000	Under $25,000	.80%	.80%

		$25,000 and Over	.95%	.95%

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

Table data for Future Saver Certificate (variable rate)
01-22-2022
Term	Minimum to Open & Earn APY*	Dividend Rate	APY*
12 to 60 Months	$25	.40%	.40%

*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)
01-22-2022
Term	Minimum to Open & Earn APY*	Balance Tier	Dividend Rate	APY*
12 Month	$25	Under $5,000	1.75%	1.76%

12 Month & Over	$25	$5,001 and Over	.40%	.40%

*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)
01-22-2022
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
01-22-2022
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)
01-22-2022
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
1 year certificate	$500	Under $25,000	.35%	.35%

		$25,000 and Over	.50%	.50%

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

Table data for Coverdell Education Savings (variable rate)
01-22-2022
Type	Minimum to Open	Balance Tier	Dividend Rate	APY*
18 month certificate	$5	Under $25,000	.50%	.50%

		$25,000 and Over	.65%	.65%

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