|High Interest Checking||Dividend Rate||APY|
|Balance up to $20,000||1.98%||2.00%|
|Portion of Balance > $20,000||0.10%||0.10%|
High Interest Checking Account Annual Percentage Yield (APY) effective as of October 1, 2021, is variable and may change after account is opened without notice. The APY is 2.00% on balances up to $20,000 and 0.10% on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. Dividends will be paid per statement cycle requirement. At least one account holder must be at least 18 years old. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings.