Rates

APY = Annual Percentage Yield

Rates are effective as of 2/1/2021

Platinum Checking - Consumer Only	Interest Paid	Interest Paid	APY
$0 - $4,999.99	Monthly	0.05%	0.05%
$5,000 - $14,999.99	Monthly	0.07%	0.07%
$15,000 - $49,999.99	Monthly	0.10%	0.10%
$50,000 - $99,999.99	Monthly	0.20%	0.20%
$100,000 - $249,999.99	Monthly	0.25%	0.25%
$250,0000 and up	Monthly	0.40%	0.40%

Platinum Checking - Business	Interest Paid	Interest Paid	APY
$0 - $4,999.99	Monthly	0.00%	0.00%
$5,000 - $14,999.99	Monthly	0.00%	0.00%
$15,000 - $49,999.99	Monthly	0.10%	0.10%
$50,000 - $99,999.99	Monthly	0.20%	0.20%
$100,000 - $249,999.99	Monthly	0.25%	0.25%

Checking and Savings	Interest Paid	Interest	APY
HSA Account	Monthly	0.10%	0.10%
First Checking with Interest (Grandfathered)	Monthly	0.05%	0.05%
First Savings	Quarterly	0.05%	0.05%
IRA Savings	Quarterly	0.05%	0.05%

Certificates of Deposit (CD)	Term	Compound	Interest Rate	APY
7-31 Day CD	31 Days	None	0.05%	0.05%
91 Day CD	91 Days	None	0.10%	0.10%
182 Day CD	182 Days	None	0.15%	0.15%
12 Month (IRA)	12 Months	Annually	0.20%	0.20%
18 Month	18 Months	Annually	0.20%	0.20%
24 Month (IRA)	24 Months	Annually	0.25%	0.25%
30 Month	30 Months	Annually	0.25%	0.25%
36 Month (IRA)	36 Months	Annually	0.30%	0.30%
48 Month	48 Months	Annually	0.30%	0.30%
60 Month (IRA)	60 Months	Annually	0.30%	0.30%

CDARS** with Checking	Term	Compound	Interest Rate	APY
4 Weeks	1 Month	Daily	0.03%	0.03%
13 Weeks	3 Month	Daily	0.04%	0.04%
26 Weeks	6 Month	Daily	0.06%	0.06%
52 Weeks	1 Year	Daily	0.08%	0.08%
2 Year	2 Year	Daily	0.16%	0.16%
3 Year	3 Year	Daily	0.26%	0.26%
5 Year	5 Year	Daily	N/A	N/A

**Deposit relationships > $100,000, minimum order $100,000. Rates subject to change based on market conditions. Call to confirm rate availability.

Interest Calculations, Compounding and Crediting

We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the earnings period. The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of interest on non-cash deposits begins to accrue on the business day after the banking day you deposit noncash items (for example, checks).
Interest will be compounded monthly or quarterly. Interest will be credited to your account on the last day of each statement cycle.
If you close your account before interest is credited, you will forfeit the accrued interest.