1. A recurring monthly direct deposit* of $500 or more must be set up within 90 days of account opening to earn the published interest rate. Failure to set up a recurring monthly direct deposit of $500 or more within 90 days of account opening, will cause the account to revert to a non-interest earning account. The interest rate is 3.93% with an annual percentage yield (APY) of 4.01%, accurate as of 10-01-2025 and subject to change. A minimum opening deposit of $50.00 is required. E-statements are provided at no charge, and paper statements are available for a $5.00 monthly fee. Only one Impact Checking Account is permitted per customer. **New Money Only.

2. 0.30% discount only available to customers paying loan payments by auto pay. The discount, without auto pay, will be 0%.

*Direct deposit is defined as an automated deposit from an employer or government agency; transfers initiated by individuals or payment providers (e.g. PayPal) are not eligible.

**’New money’ means funds not previously held at Climate First Bank.