MaxEarnings Saver - Up To 3.00% APY¹

(1) Interest Rate and Annual Percentage Yield are current as of 12/23/25. Tiered interest rates are variable and may change at any time; no minimum balance required to earn interest. To qualify for the tier 1 interest rate on your Max Earnings Saver, you must be the primary account owner on a qualifying MaxEarnings Checking account. Qualifying tier 1: If your daily balance is greater or equal to $.01 and less than $25.000.00, the interest rate paid on the entire balance will be 2.96% with an APY of 3.00%. Qualifying tier 2: If your daily balance range is $25,000.00 or greater, an interest rate of 0.05% will be paid only for the portion of your balance that is $25,000.00 or greater.  The Annual Percentage Yield (APY) for this tier will range between 3.00% to 0.22%, depending on the balance in the account. The annual percentage yield (APY) for qualifying tier 2 assumes a minimum balance of $25,000.00 and maximum balance of $110,000.00 (higher balances accepted). When MaxEarnings Saver account qualifications are not met, the entire daily balance in your account will earn an interest rate of 0.05% with an APY of 0.05%. Fees may reduce earnings.
 

(2) Annual Percentage Yields (APYs) and interest rates are variable and may change at any time including after account is opened. APYs and interest rates are accurate as of 12.23.2025. You may contact any branch location to obtain the most current rate and APY information. Fees may reduce earnings. Earn 5.00% APY on balances up to $10,000.00 when you enroll in free online statements, make at least 15 debit card purchases of $5.00 or more, and have at least one direct deposit per statement cycle. Balances over $10,000.00 earn 0.05% standard APY on the portion of the balance over $10,000.00, resulting in a range from 5.00% to 0.09% APY depending on the balance. This range assumes a $10,000.01 - $110,000 account balance, although higher balances are accepted. Accounts that do not meet the qualifications and balances exceeding $10,000.00 will earn the 0.05% standard APY on the entire balance. Interest is compounded and credited monthly. Qualifying debit card purchase transactions must be posted and settled to the Max Earnings Checking account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post to and settle.  ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions.  "Monthly Qualification Cycle" begins on the first day of the Statement Cycle and ends on the last day of the Statement Cycle. 

(3) Average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

(4) Daily balance method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Please contact us for current rates and annual percentage yields (APYs).