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Deposit Rates

Checking Accounts¹

Account	Minimum Opening Deposit	Balance Required to Obtain APY	Interest Rate	APY¹
Personal Interest Checking	$25	$0.01 or more	0.05%	0.05%
MaxEarnings Checking	$25	$0.01 - $5,000.00 $5,000.01 or more	4.89% 0.05%	5.00% 5.00-0.05%²
Micro Business MaxEarnings Checking	$25	$0.01 - $5,000.00 $5,000.01 or more	4.89% 0.05%	5.00% 5.00-0.05%²

Money Market Accounts¹

Account	Balance Requirement	Interest Rate	APY¹
Personal Money Market	$2,500.00 - $99,999.99 $100,000.00 - $249,999.00 $250,000.00 - $999,999.99 $1,000,000.00 - $4,999,999.99 $5,000,000.00 or more	0.05% 0.10% 0.15% 0.30% 0.45%	0.05% 0.10% 0.15% 0.30% 0.45%
Personal Relationship Money Market	$2,500.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00 - $999,999.99 $1,000,000.00 - $4,999,999.99 $5,000,000.00 or more	0.50% 0.65% 1.07% 1.29% 2.11%	0.50% 0.65% 1.08% 1.30% 2.13%
Business Money Market	$2,500.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00 - $999,999.99 $1,000,000.00 - $4,999,999.99 $5,000,000.00 or more	0.05% 0.50% 0.75% 1.44% 2.11%	0.05% 0.50% 0.75% 1.45% 2.13%
Business Relationship Money Market	$2,500.00 - $99,999.99	0.25%	0.25%
	$100,000.00 - $249,999.99	0.60%	0.60%
	$250,000.00 - $499,999.99	1.00%	1.00%
	$1,000,000.00 - $4,999,999.99 $5,000,000.00 or more	2.47% 3.44%	2.50% 3.50%

Savings Accounts¹

Account	Minimum Opening Deposit	Balance Requirement	Interest Rate	APY¹
Everyday Saver	$25	$0.01 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 or more	0.05% 0.15% 0.20%	0.05% 0.15% 0.20%
MaxEarnings Saver	$25	$0.01 - $24,999.99 $25,000 or more	0.20% 0.05%	0.20% 0.20 - 0.08%³
Anytime Savers Club	$10	no minimum	0.03%	0.03%
Student Saver	$25	no minimum	0.05%	0.05%
Business Savings	$100	$0.01 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 or more	0.05% 0.15% 0.20%	0.05% 0.15% 0.20%

Certificates of Deposit⁴

APY is based on the required minimum balance of $1,000.

Term	Minimum Opening Deposit	Interest Rate	APY¹
3 Months	$1,000	0.15%	0.15%
6 Months	$1,000	0.25%	0.25%
9 Months	$1,000	0.35%	0.35%
12 Months	$1,000	0.45%	0.45%
18 Months	$1,000	0.50%	0.50%
24 Months	$1,000	0.55%	0.55%
36 Months	$1,000	0.60%	0.60%
48 Months	$1,000	0.75%	0.75%
60 Months	$1,000	1.00%	1.00%

Individual Retirement Accounts⁴

APY is based on the required minimum balance of $1,000

Term	Minimum Opening Deposit	Interest Rate	APY¹
12 Months	$1,000	0.45%	0.45%
24 Months	$1,000	0.50%	0.50%
48 Months	$1,000	0.75%	0.75%
60 Months	$1,000	1.00%	1.00%

Checking Accounts¹

NOW Checking
Minimum Opening Deposit $1,000
Balance Required to Obtain APY $1,000 or more
Interest Rate 0.05%
APY 0.05%

Peoples Package Checking
Minimum Opening Deposit $25
Balance Required to Obtain APY $1,000 or more
Interest Rate 0.10%
APY 0.10%

Business Interest Checking
Minimum Opening Deposit $2,500
Balance Required to Obtain APY $2,500.00 or more
Interest Rate 0.05%
APY 0.05%

Premium Business Checking
Minimum Opening Deposit $10,000
Balance Required to Obtain APY $10,000 - $34,999.99 $35,000 - $59,999.99 $60,000 - $499,999.99 $500,000 or more
Interest Rate 0.05% 0.10% 0.10% 0.15%
APY 0.05% 0.10% 0.10% 0.15%

Money Market
Minimum Opening Deposit $2,500
Balance Required to Obtain APY $1,000.00 - $2,499.99 $2,500.00 - $24,999.99 $50,000.00 - $499,999.99 $500,000.00 - $4,999,999.99 $5,000,000.00 or more
Interest Rate refer to NOW Account 0.05% 0.05% 0.10% 0.15% 0.20%
APY refer to NOW Account 0.05% 0.05% 0.10% 0.15% 0.20%

Savings Accounts¹

Statement Savings
Minimum Opening Deposit $100
Balance Required to Obtain APY 0.01 or more
Interest Rate 0.05%
APY 0.05%

Certificate Savings
Minimum Opening Deposit $2,500
Balance Required to Obtain APY $2,500 or more
Interest Rate 0.10%
APY 0.10%

Statement Saver Club
Minimum Opening Deposit $5
Balance Required to Obtain APY $0.01 or more
Interest Rate 0.05%
APY 0.05%

Certificates of Deposit²

APY is based on the required minimum balance of $1,000.

Certificates of Deposit
3 Months
Minimum Opening Deposit $1,000
Interest Rate 0.15%
APY 0.15%
6 Months
Minimum Opening Deposit $1,000
Interest Rate 0.20%
APY 0.20%
9 Months
Minimum Opening Deposit $1,000
Interest Rate 0.20%
APY 0.20%
12 Months
Minimum Opening Deposit $1,000
Interest Rate 0.25%
APY 0.25%
18 Months
Minimum Opening Deposit $1,000
Interest Rate 0.25%
APY 0.25%
24 Months
Minimum Opening Deposit $1,000
Interest Rate 0.30%
APY 0.30%
30 Months
Minimum Opening Deposit $1,000
Interest Rate 0.30%
APY 0.30%
36 Months
Minimum Opening Deposit $1,000
Interest Rate 0.35%
APY 0.35%
42 Months
Minimum Opening Deposit $1,000
Interest Rate 0.35%
APY 0.35%
48 Months
Minimum Opening Deposit $1,000
Interest Rate 0.40%
APY 0.40%
60 Months
Minimum Opening Deposit $1,000
Interest Rate 0.50%
APY 0.50%
84 Months
Minimum Opening Deposit $1,000
Interest Rate 0.70%
APY 0.70%

Individual Retirement Accounts²

APY is based on the required minimum balance of $1,000

Certificates of Deposit
1 Year
Minimum Opening Deposit $1,000
Interest Rate 0.25%
APY 0.25%
2 Years
Minimum Opening Deposit $1,000
Interest Rate 0.30%
APY 0.30%
4 Years
Minimum Opening Deposit $1,000
Interest Rate 0.40%
APY 0.40%
5 Years
Minimum Opening Deposit $1,000
Interest Rate 0.50%
APY 0.50%
6 Years
Minimum Opening Deposit $1,000
Interest Rate 0.60%
APY 0.60%

Accounts enrolled to receive electronic statements only will not incur a statement fee. A $2 paper statement fee will be charged per statement cycle effective 10/1/22. Must be currently enrolled in PSBT Online Banking in order to receive eStatements.

(1) 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 12.21.2024. You may contact any branch location to obtain the most current rate and APY information. Fees may reduce earnings.

(2) Balances over $5,000 earn 0.05% interest rate on the portion of the balance over $5,000, resulting in a range from 5.00% to 0.05% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted.

(3) Balances over $25,000 earn 0.05% interest rate on the portion of balance over $25,000, resulting in a range from 0.20% - 0.08% APY, depending on the balance. This range assumes a $25,000.01 - $110,000 account balance, although higher balances are accepted.

(4) Annual Percentage Yields (APYs) and interest rates are accurate as of 12.21.2024. A penalty may be imposed for early withdrawal.