|High Interest Checking||Dividend Rate||APY|
|Balance up to $20,000||2.96%||3.00%|
|Portion of Balance > $20,000||0.10%||0.10%|
High Interest Checking Account Annual Percentage Yield (APY) effective as of July 1, 2019, is variable and may change after account is opened without notice. The APY is 3.00% on balances up to $20,000, 0.10% on balances greater than $20,000. 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 threshold will earn 0.05% APY. Fees may reduce earnings. See Truth in Savings Disclosures for details.