Rates

*Qualifications

Just do a few simple things you're probably already doing. Enrollments must be in place, and all of the following transactions and activities must post and settle to your Kasasa Cash^® account during each Monthly Qualification Cycle:

• At least 12 debit card purchases
• At least 1 ACH credit or ACH payment
• Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Fees may reduce earnings. Rates may change without notice.

Kasasa Cash Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by First Liberty Bank as ATM transactions, and purchases made with debit cards not issued by First Liberty Bank bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means the current statement cycle. Contact a client service representative for specific Monthly Qualification Cycle dates. **Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $25,000 in your Kasasa Cash account earn an interest rate of 4.97%, resulting in an APY of 5.10%; and average daily balances of $25,000.01 and above earn an interest rate of 0.50% on the portion of the average daily balance over $25,000, resulting in a range from 1.42% to 5.10% APY depending on the account's average daily balance***. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the following statement cycle's first processing/business day. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. APY = Annual Percentage Yield. *APY = Annual Percentage Yield. APYs accurate as of 1/1/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. One (1) Kasasa Cash account per household. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

 ^‡Qualifications

Qualifying for your Kasasa Cash^® or Kasasa Cash Back^® rewards automatically qualifies you for the highest Kasasa Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

• At least 12 debit card purchases
• At least 1 ACH credit or ACH payment
• Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, your Kasasa^® accounts are still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Fees may reduce earnings. Rates may change without notice.

The minimum balance to open an account is $1,000.00.

Interest Rates are subject to change. Subject to fees, which may reduce earnings on the account.

Annual Percentage Yield (APY) is subject to change without notice. A $2,500.00 minimum deposit balance to open and obtain APY. Substantial penalty for early withdrawal. APY assumes the principal and balance remain on deposit for the certificate term.

The minimum deposit to open an account is $50.

Interest Rates are subject to change. Fees may reduce earnings.

The minimum deposit to open an account is $50.

Interest Rates are subject to change. Subject to fees, which may reduce earnings on the account.