¹This account is only for consumers and for new funds to the Bank. The interest rate is a guaranteed fixed interest rate on the account from the account opening date until March 31, 2026. After March 31, 2026, the interest rate will change to a variable rate. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. The APY will increase from 3.25% to 3.75% for each qualifying period with at least two (2) Automated Clearing House (ACH) credits of $250.00 or more each. Qualification period is defined as beginning three processing days before the first day of the monthly statement period, and ending three processing days before the last day of the monthly statement period. Processing days are defined as Monday through Saturday, and exclude Sundays and bank holidays. This period is used to determine your interest rate for each qualifying period, and the interest earned for each qualifying period will be credited to your account on the last business day of the month. Fees may reduce earnings on the account. Maximum of 6 withdrawals or debits allowed per monthly statement period. After that a $3 fee per withdrawal or debit will apply on every additional withdrawal or debit over 6.