LOYALTY REWARDS SAVINGS

*APY - Annual Percentage Yield effective as of 12/20/2023. You must have a Loyalty Rewards Checking account to open a Loyalty Rewards Savings Account, and the Loyalty Rewards Checking account must remain open throughout the period that you hold the Loyalty Rewards Savings account. Rates subject to change. If your daily balance  is $100,000 or less, the account is enrolled in eStatements via Online Banking and Loyalty Rewards Checking Qualifiers have been met, the interest rate paid on this account is 2.18% with an annual percentage yield of 2.20%. Assuming a maximum account balance of $150,000, the annual percentage yield will range from 1.49% to 2.18% depending on the balance in the account.When Loyalty Rewards Checking Qualifiers have NOT been met during the monthly statement cycle, the interest rate paid on the entire account balance is 0.07% with an annual percentage yield of 0.07%. Interest will be compounded every month. Interest will be credited to your account on the last business day each month. No minimum balance is required to open this account, earn interest, or receive ATM Fee Refunds. To qualify for the Loyalty Savings Account higher interest rate, you must be enrolled for eStatements via Online Banking and the following Loyalty Rewards Checking Account Qualifiers must be met: (1) Minimum of 20 Debit MasterCard® must post and settle to the account. (2) Minimum of $500 or greater Direct Deposit or automated clearing house (ACH) debit or credit must post and settle to the account. (3) Have a Combined Total of $25,000 or more in personal deposit accounts (primary account owner) based on teh average daily balances and/or loan relationships based on current principal balance. Transactions must post and settle to your Loyalty Rewards Checking Account during the Monthly Statement Cycle in order to receive higher interest rate on the Loyalty Rewards Savings. Your Loyalty Rewards Checking account will be linked to the Loyalty Rewards Savings Account. Interest will be compounded every month. Interest will be credited to your account on the last business day each month. Interest earned on your Loyalty Rewards Checking Account will be credited on the last business day each month and automatically transferred to your Loyalty Savings account on the next business day. Fees may reduce earnings. Limit one Loyalty Rewards Savings Account per household.