Rates in effect as of
|Description||Minimum Balance||Minimum Balance to Earn||Dividend Rate||Annual Percentage Yield||Dividends Paid|
|Smart Plus Checking*||Smart Plus Checking Account||$25.00||Balances $1,000.00 to $5,000||0.50%||0.50%||Monthly|
|Balances $5,000.01 to $10,000.00||1.50%||1.50%||Monthly|
|Balances $10,000.01 to $20,000.00||2.50%||2.50%||Monthly|
|Balances $20,000.01 to $25,000.00||2.00%||2.00%||Monthly|
|Balances $25,000.01 and up||0.50%||0.50%||Monthly|
Checking account dividends are earned on the daily balance. Rates quoted and corresponding Annual Percentage Yields are based on the last paid dividend rates and are subject to change monthly without notice and at the discretion of the Board of Directors. Fees can reduce the earnings of deposit accounts. *When activity qualifiers are met, balance rate tiers apply.