*Your account is set up to receive monthly e-statements. A $5.00 paper statement fee applies if you opt for paper. The interest rate is 4.36% with an annual percentage yield (APY) of 4.46%, accurate as of 08-12-2025. Rates may change. Minimum opening deposit: $50.00. No minimum balance required to earn interest. Fees may 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.

*Annual Percentage Yield (“APY”) is accurate as of December 03, 2024. The interest rate on the account is 3.74% with an APY of 3.81%. Minimum balance to open and obtain APY is $25. The interest rate and APY may change, at any time, at the bank’s discretion. Withdrawals and fees could reduce earnings.

1. To earn the published interest rate, in the first 90 days of account opening, a monthly recurring direct deposit* of $500 or more must be established. Failure to set up a recurring direct deposit within 90 days of account opening will cause the account to revert to a non-interest earning account. Your account is set up to provide monthly E-Statements. A monthly $5.00 paper statement fee will be assessed should you choose to receive a paper statement. The interest rate on the account is 3.93% with an annual percentage yield of 4.01%. Interest Rate and Annual Percentage Yield (APY) are current as of 04-09-2025, the interest rate and annual percentage yield may change. You must deposit $50.00 to open this account. There is no minimum balance required to qualify for interest. Fees may reduce earnings. New money only**.

*We define Direct Deposit as follows: Direct deposits include automated preauthorized electronic deposits made by the customer’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online/mobile banking or an Internet payment provider such as PayPal. Only one Impact Checking Account is permitted per customer.

**New Money is defined as deposits and investments not previously held by Climate First Bank.

1. If the daily balance is more than $49,999.99, but less than $9,999,999.01, the interest rate paid on the entire balance in the account will be 4.12% with an annual percentage yield of 4.21%. If balance falls below $49,999.99, the interest rate paid on the entire balance in the account will be 0.05% and the annual percentage yield will be 0.05%. Interest Rate and APY are current as of 09-23-2025. The interest rate and annual percentage yield are subject to change.

*New Money is defined as deposits and investments not previously held by Climate First Bank.

*Minimum balance to open is $50. A monthly $5.00 paper statement fee will be assessed should you choose to receive a paper statement.

*The interest rate on the account is 2.87% with an Annual Percentage Yield (APY) of 2.91%. APY and interest rate are accurate as of 09-18-2024. The interest rate and APY will not change for the term of the account. $500 minimum opening deposit and $500 minimum balance required. The interest rate will be in effect for 12 months, after this time the interest rate and APY are subject to change. Withdrawals will reduce earnings. New money only. Fees may reduce earnings.

**CD's are penalty free with the exception of the regulatory required penalty if withdrawn within the first six days of opening.
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*The interest rate on the account is 2.65% with an annual percentage yield of 2.68%. The interest rate and APY are accurate as of 09-19-2024. At the account holders discretion, you may change the interest rate on the account one time during the term, if the bank's 15-Month Flex CD interest rate increases. Account holder may make additional deposits in increments of $100.00 up to one-half of the initial principal balance. Account holder may make one withdrawal of up to one-half the initial principal balance without penalty, this applies only after the first 7 days of making a deposit. There will be penalties for subsequent withdrawals. Account holder must deposit $500 to open this account and balance must be $500 to qualify for APY. Withdrawals will reduce earnings. New money only. Fees may reduce earnings.
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*The interest rate on the account is 4.25% with an Annual Percentage Yield (APY) of 4.34%. APY and interest rate are accurate as of 11-06-2024. The interest rate and APY will not change for the term of the account. $500 minimum opening deposit and $500 minimum balance required. The interest rate will be in effect for 6 months, after this time the interest rate and APY are subject to change. Withdrawals will reduce earnings; fees may reduce earnings.

**CD's are penalty free with the exception of the regulatory required penalty if withdrawn within the first six days of opening.

1. To earn the published interest rate, in the first 90 days of account opening, a monthly recurring direct deposit* of $500 or more must be established. Failure to set up a recurring direct deposit within 90 days of account opening will cause the account to revert to a non-interest earning account. Your account is set up to provide monthly E-Statements. A monthly $5.00 paper statement fee will be assessed should you choose to receive a paper statement. The interest rate on the account is 3.93% with an annual percentage yield of 4.01%. Interest Rate and Annual Percentage Yield (APY) are current as of 04-09-2025, the interest rate and annual percentage yield may change. You must deposit $50.00 to open this account. There is no minimum balance required to qualify for interest. Fees may reduce earnings. New money only**.

2. If the daily balance is more than $49,999.99, but less than $9,999,999.01, the interest rate paid on the entire balance in the account will be 4.12% with an annual percentage yield of 4.21%. If balance falls below $49,999.99, the interest rate paid on the entire balance in the account will be 0.05% and the annual percentage yield will be 0.05%. Interest Rate and APY are current as of 09-23-2025. The interest rate and annual percentage yield are subject to change.
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*We define Direct Deposit as follows: Direct deposits include automated preauthorized electronic deposits deposits made by the customer’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online/mobile banking or an Internet payment provider such as PayPal. Only one Choice Checking Account is permitted per customer.

** New Money is defined as deposits and investments not previously held by Climate First Bank. Impact Checking and Impact Money Market are available on personal bank accounts only, not available on business accounts.
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1. To earn the published interest rate, in the first 90 days of account opening, a monthly recurring direct deposit of $500 or more must be established. Failure to set up a recurring direct deposit within 90 days of account opening will cause the account to revert to a non-interest earning account. Your account is set up to provide monthly E-Statements. A monthly $5.00 paper statement fee will be assessed should you choose to receive a paper statement. The interest rate on the account is 3.93% with an annual percentage yield of 4.01%. Interest Rate and Annual Percentage Yield (APY) are current as of 04-09-2025, the interest rate and annual percentage yield may change. You must deposit $50.00 to open this account. There is no minimum balance required to qualify for interest. Fees may reduce earnings. New money only***.

*0.30% discount only available to customers paying loan payments by auto pay. The discount, without auto pay, will be 0%.
***New Money is defined as deposits and investments not previously held by Climate First Bank.
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*Customer is responsible for cost of Remote Deposit Capture (RDC) machine and wire fees. $0 monthly fees if customer consents to receive electronic statements.
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*Annual Percentage Yield (“APY”) is accurate as of 05-05-2025. The interest rate on the account is 3.74% with an APY of 3.81%. 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.

*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 4.65% with an annual percentage yield (APY) of 4.76%. 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%.
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