Current as of 4/18/2021

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  Min Balance To Open Min Balance To Earn Min Balance - $5K DIV - APY1 $5K+ - $10K DIV - APY1 $10K+ - $20K DIV - APY1 $20K+ DIV - APY1
First Rewards¬≤ $25.00 $0.00 1.96% -  1.99% 1.96% -  1.99% 0.14% -  0.15% 0.14% -  0.15%
First Health (HSA)¬≥ $25.00 $500.00 0.05% -  0.05% 0.05% -  0.05% 0.05% -  0.05% 0.05% -  0.05%
Free, Fresh Start $25.00 $0.00 N/A -  N/A N/A -  N/A N/A -  N/A N/A -  N/A

1 APY is Annual Percentage Yield. Withdrawals, penalties and fees could reduce earnings. Dividend rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves. The above rates were paid for their respective dividend period. These rates are not guaranteed for the current dividend period. All accounts must remain open through the end of the dividend period to be paid the accrued dividends.

2 The APY (Annual Percentage Yield) for balances up to $10,000 will be 1.99% APY when the qualifications for the First Rewards Checking are met during the qualification cycle as disclosed in the Truth in Savings disclosure and .10% APY for balances over $10,000. The calculation method used for calculating the APY is "Method B" under NCUA's Truth in Savings regulation. Method B blends the below cap dividend rate with the above cap dividend rate when determining your actual APY. As a result, your actual rate will vary, depending on the balance in the account and will be in the range of 1.99% APY - 0.10% APY. If qualifications are not met, a monthly fee of $4.95 will be assessed. Available for personal accounts only.


3 HSA - Health Savings Account. Checking and Money Management account dividends are earned on the daily balance and paid monthly. Rates quoted were last paid on March 31, 2021.