|Account||Dividend Rate||Annual Percentage Yield (APY)|
Share, Legacy checking, Preferred checking, and Christmas Club accounts are variable rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of December 1, 2017 . There is no minimum balance required to earn the APYs stated. The minimum opening deposit on a checking account is $5.00. The minimum opening deposit on a Share Draft account is $20.00 unless payroll deductions or direct deposits are established. Fees and other conditions could reduce earnings. For more information regarding fees see the Fee Addendum.