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The annual percentage yield is effective 06/10/2025. Rates are subject to change.

^The average daily balance is calculated by adding the principal in the account for each day of the statement period and dividing the sum by the number of days in the period. To calculate the relationship waiver's total deposits balance, we add the current balances in all FCCB deposit accounts as they stand at the close of your statement cycle for the checking account related to the fee. For the purpose of the relationship waiver, we add the total amounts in all FCCB checking accounts, savings accounts, money market accounts, CDs, and IRAs, owned by the account owner listed on this checking account. For total deposit account balance eligibility, we consider business and personal accounts that are solely owned, jointly owned, or held by individuals designated as corporate officers, partners on the account, business owners, or account trustees. The account owner benefits from the relationship waiver’s total deposit balance when the owner is primary on the checking account to which the fee assessment pertains. Holds placed on deposits according to our Funds Availability Policy Disclosure do not reduce your current balance for the deposit relationship balance calculation. Any account used in the calculation of your deposit relationship balance may be subject to its own service charge and must still meet the requirements disclosed for waiving the service charge specific to that account as applicable. Additional Terms: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Minimum to open $50. Rates and rewards are variable and may change at any time after an account is opened. Fees may reduce earnings. Contact an FCCB banker for additional details. Member FDIC.

*APY= Annual Percentage Yield and APYs are accurate as of April 11, 2025. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $25,000 receive APY of 1.00%; and (2) balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000 resulting in 1.00% - .40% APY depending on the balance. (3) You will receive a reimbursement of ATM fees imposed by other U.S. financial institutions up to an aggregate amount of $20.00 per monthly statement cycle; and (4) You will receive reimbursement of our $2.95 Consumer Bill Pay Fee per monthly statement cycle. If qualifications are not met, all balances earn .01% APY. The 3 qualifications to be completed during the monthly statement cycle to receive rewards are: (1) 12 debit card purchase transactions must post and settle the account, (2) Complete 1 ACH direct deposit or direct debit and (3) receive an electronic statement. Personal accounts only. One account per customer.

**Rates may change after account is opened. Contact your FCCB Banker for current rates.