CD, IRA, Money Market, Checking, Savings Account Rates

Listed below is our full suite of certificates of deposit, money market, checking and savings accounts. After you take a look, if you have questions about which option might be right for you or to confirm current rates and terms, please call your nearest branch or 800-538-3979, or email us at customer-service@FirstBank.bz. Thank you for your interest and we look forward to helping you reach your savings goals!

STANDARD CERTIFICATES OF DEPOSIT (CDs)1

Minimum Opening Balance

Interest Rate

Annual Percentage Yield

91-Day (3-Month) Certificate

$2,500.00

0.20%

0.20%

182-Day (6-Month) Certificate

$2,500.00

0.50%

0.50%

12-Month Certificate

$500.00

1.50%

1.51%

18-Month Certificate

$500.00

1.75%

1.76%

2-Year Certificate

$500.00

2.00%

2.01%

3-Year Certificate

$500.00

2.20%

2.21%

4-Year Certificate

$500.00

2.35%

2.36%

5-Year Certificate

$500.00

1.80%

1.81%

1A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. APY (Annual Percentage Yield) is accurate as of publication date. Interest will be paid semi-annually and at maturity.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Minimum Opening Balance

Interest Rate

Annual Percentage Yield

Standard account2

$1.00

0.30%

0.30%

3-Year IRA

$500.00

2.20%

2.22%

5-Year IRA

$500.00

1.80%

1.81%

2The interest rate and annual percentage yield may change after the account opening. Fees could reduce earnings on the account. APY (Annual Percentage Yield) is accurate as of publication date. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Daily balance is the amount of principal in the account each day.

MONEY MARKET DEPOSIT ACCOUNTS3

Minimum Opening Balance

Minimum Balance to Earn Interest

Interest Rate

Annual Percentage Yield

Money Market Account $2,500-$10,000.99

$2,500.00

$2,500.00

0.10%

0.10%

Money Market Account $10,001 and up

0.15%

0.15%

Main Street Money Market $2,500-$10,000.99

$10,000.00

$2,500.00

0.10%

0.10%

Main Street Money Market $10,001-$25,000.99

0.15%

0.15%

Main Street Money Market $25,001 and up

0.20%

0.20%

3The interest rate and annual percentage yield may change after the account opening. Fees could reduce earnings on the account. APY (Annual Percentage Yield) is accurate as of publication date. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Daily balance is the amount of principal in the account each day. The Money Market account requires a minimum balance of $2,500 to open. This is a tiered rate account: $2,500-$10,000.99 and $10,001.00 and over. APYs as of publication date for each tier are .10% and .15% respectively. The Main Street Money Market account requires a minimum balance of $10,000 to open. This is a tiered rate account: $2,500-$10,000.99; $10,001.00-$25,000.99 and $25,001.00 and over. APYs as of publication date for each tier are 0.10%, 0.15%, and 0.20% respectively.

CHECKING ACCOUNTS4

Minimum Opening Balance

Minimum Balance to Earn Interest

Interest Rate

Annual Percentage Yield

Main Street Checking $5,000 – $10,000.995

$5,000.00

$5,000.00

0.05%

0.05%

Main Street Checking $10,001 – $25,000.995

0.10%

0.10%

Main Street Checking $25,001 and up5

0.15%

0.15%

Interest Checking

$2,500.00

$2,500.00

0.05%

0.05%

YouFirst eChecking $750 – $10,0006

$100.00

$750.00

2.20%

2.22%

YouFirst eChecking $10,000.01 and up5

0.05%

0.05%

4Fees and charges may reduce earnings on accounts. The interest rate and annual percentage yield will depend upon the daily balance as shown in the rate chart. At our discretion, the interest rate and annual percentage yield may change daily on the account. Interest begins to accrue on the business day you deposit noncash items (for example checks). Interest will be compounded monthly and will be credited to the account monthly. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Depending on the account selected, you must maintain the minimum balance disclosed above in the account each day to obtain the disclosed annual percentage yield. 5The Main Street Checking account requires a minimum balance of $5,000 to open. This is a tiered rate account: $5,000-$10,000.99; $10,001.00-$25,000.99 and $25,001.00 and over. APYs as of publication date for each tier are 0.05%, 0.10%, and 0.15% respectively. 6The YouFirst eChecking account requires a minimum balance of $100 to open. During months in which client receives eStatements, pays one bill with NetTeller BillPay, uses the CheckFirst debit card 15 or more times, and has one or more ACH (automated clearing house) transaction, the client will earn 2.22% APY on balances between $750 and $10,000, and 0.05% for any portion of the balance greater than $10,000. When electronic banking requirements are not met, any balance greater than $750 will earn 0.05% APY.

SAVINGS ACCOUNTS7

Minimum Opening Balance

Minimum Balance to Earn Interest

Interest Rate

Annual Percentage Yield

Regular Savings Account

$100.00

$1.00

0.15%

0.15%

Student Savings Account

$50.00

$1.00

0.15%

0.15%

Christmas Club Account

$2.00

$2.00

0.10%

0.10%

Health Savings Account (HSA) $1-$2,499.998

$26.00

$1.00

0.15%

0.15%

Health Savings Account (HSA) $2,500 – $10,000.998

0.25%

0.25%

Health Savings Account (HSA) $10,001 -$25,000.998

0.75%

0.76%

Health Savings Account $25,001 and up8

1.00%

1.02%

7The interest rate and annual percentage yield may change after the account opening. Fees could reduce earnings on the account. APY (Annual Percentage Yield) is accurate as of publication date. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Daily balance is the amount of principal in the account each day. The HSA requires a minimum balance of $1 to open. This is a tiered rate account: $1-$2,499.99; $2,500-$10,000.99, $10,001.00-$25,000.99, and $25,001 and up. APYs as of publication date for each tier are .25%, .50%, 1.26%, and 1.77% respectively. 8$25 fee will be assessed upon account opening and annually on account opening anniversary date.

Interest rates and annual percentage yields are current as of October 16, 2018 and are subject to change.