*Annual Percentage Yield. The interest rate and annual percentage yield will depend upon the daily balance in the account. The interest rate and annual percentage yield may change after the account is opened. The monthly qualification cycle generally begins on the 5th day of each month and ends on the 4th day of the following month. Cycle dates may vary due to weekends or legal holidays; please refer to our Monthly Qualification Cycle Calendar*** for exact dates. Transactions must post and settle to your account within this cycle to count toward qualification. Transactions may take one or more business days from the date of the transaction to post and settle. To qualify for Rewards Checking, you must: (1) make a minimum of 12 debit card purchases monthly, (2) make a minimum of one ACH, Bill Pay, or direct deposit transaction monthly, and (3) enroll in eStatements when opening the account. Balances up to $30,000 receive 2.50% APY, and balances over $30,000 receive 2.50%–0.50% APY depending on the balance maintained. If you do not meet the stated qualifications during a qualification cycle, balances in the account will earn 0.10% APY, regardless of whether the balance is above or below $30,000. The rate is variable and may change after the account is opened. Interest begins to accrue on the business day you make your deposit. Minimum deposit to open account is $100.00. Interest will be compounded and credited to the account monthly on the last day of your statement cycle. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We use the average daily balance method to calculate interest if qualifications are not met. Rate is current as of February 6, 2026.

***Monthly Qualification Cycle (PDF).