1. Annual Percentage Yield (“APY”) is accurate as of 11-19-2025. The interest rate on the account is 3.50% with an APY of 3.56%. Minimum balance to open and obtain APY is $50. The interest rate and APY may change, at any time, at the bank’s discretion. A monthly service charge of $5.00 will be assessed if the daily minimum balance falls below $200.00. Withdrawals and fees could reduce earnings.

*Saving accounts are not eligible for Bill Payment or External Account-to-Account (A2A) transfers. To utilize these services, please open a related checking account.

2. Account holder must maintain their primary business checking relationship with Climate First bank to open this account and qualify for the bonus money market rate. Primary business checking account is defined as the account where business hold funds and transacts for all activities related to business operations, including but not limited to: Deposits of all income from customers whether via check, ACH, cash, or otherwise, Paying employees, Paying vendors and suppliers, Advertising and Marketing expenses, Any and all other Operating Expenses paid by the company. This Account is an interest bearing account. The interest rate on the account is 4.41% with an annual percentage yield (APY) of 4.51%. The interest rate and annual percentage yield may change. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly. You must deposit $50.00 to open this account. A monthly $10.00 paper statement fee will be assessed to receive a paper statement.

*If the account holder does not maintain their primary business account with Climate First Bank, the interest rate on the account will be 0.60% with an annual percentage yield of 0.60%.