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The annual percentage yield is effective 05/28/2023. Rates are subject to change.

NOTICE OF CHANGE TO OUR FUNDS AVAILABILITY POLICY
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Effective July 1, 2020, the amount we make available for withdrawal by checks not subject to next day availability is $225. In addition, the amount available for withdrawal on exception holds for large deposits, new accounts and the amount for determining a repeat overdraft is $5,525. For more information on our Funds Availability Policy, please contact us at (800) 326-9486

Vantage Checking:

*APY=Annual Percentage Yield. Interest rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 1.00%; and (3) balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 1.00% -0.40% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Bill Pay fee refunds of $2.95 are given each cycle when qualifications are met. Personal accounts only, and only one account per unique SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

**Free ATMs nationwide available in certain markets. Where not applicable, FCCB will refund up to $20 (each cycle) of withdrawal fees when qualifications are met.

^{^}Free online bill pay available in certain markets. Where not applicable, FCCB will refund the $2.95 consumer bill pay fee (each cycle) when qualifications are met.