CD Rate Disclosure

Upon maturity, Certificate of Deposit (CD) will automatically renew for an additional 12 months, rates and terms may change. We send a maturity notice prior to renewal. • *Annual Percentage Yield (APY) as of 11/9/2022, and subject to change without notice. The minimum opening deposit and balance to obtain the APY is $100,000. • Interest compounded monthly. Early withdrawal penalties may apply and account fees could reduce earnings. APY is available for consumer and business accounts.