Personal Banking Rates

Rates effective as of 11/01/2019

Savings

Product	APY*	Interest Rate	Minimum Balance to Earn APY	Minimum Balance to Open
Regular Savings	0.10%	0.10%	$25	$5 Open Now
SMART Savings	0.10%	0.10%	$25	$5
Christmas Club	0.10%	0.10%	$25	$10 Open Now
Vacation Club	0.10%	0.10%	$25	$10 Open Now
Prosperity Builder Savings** Up to $5,000.00	0.50%	0.50%		$5.00
Over $5,000.00	0.10%	0.10%		$5.00

*Annual Percentage Yield. Rates are variable and subject to change after account opening without notice. Fees may reduce earnings. Dividends are compounded and paid monthly. Regular Savings/Secondary Savings accounts have a low balance fee of $2 if the month end balance is less than $150, and there is no associated loan product.
**Annual Percentage Yield (APY) Earn 0.50% APY on balances up to $5,000.00 and 0.10% APY on balances greater than $5,000.00. For example: $5,000.01 earns 0.50% APY and a $10,000.00 balance earns 0.30% APY. One Prosperity Builder Savings Account per person. Funds earn dividends from the business day of deposit and are compounded and paid monthly.

My Rewards Savings

Tier Balance	APY*	Interest Rate
Up to $3,000	2.00%	1.98%
Over $3,000	0.10%	0.10%

*Annual Percentage Yield. 2.00% APY will be paid on the balance up to the first $3,000. An interest rate of 0.10% will be paid on the remaining balance that exceeds $3000 with a $3000.01 earning a 2.00% APY and a $1000 balance in your account that exceeds $3,000. As an example, with a balance of $4000 a 1.53%APY will be paid.

$5 minimum deposit to open. One My Reward Savings per person and must be linked to My Reward Checking. Rates may change after account opening. Funds earn dividends from the first business day of deposit and are compounded and paid monthly. Fees may reduce earnings. Refer to Metro’s Truth in Savings Disclosure and Fee Schedule.

High Yield Savings

Tier Balance	APY*	Interest Rate
Up to $9,999.99	0.25%	0.25%
$10,000 to $24,999.99	0.30%	0.30%
$25,000 to $49,999.99	1.75%	1.73%
$50,000 or more	1.75%	1.73%

*Annual Percentage Yield (APY) as of 11/1/19, but may vary after account opening, is subject to change and is based on daily balances. Rates may change throughout the month and will affect the monthly interest payment. Fees may reduce earnings. Accounts cannot be accessed using ATM or Debit Card. $10,000 minimum opening deposit is required. Minimum withdrawal fee of $25 if withdrawal is less than $10,000. Low balance fee of $25, if at any time during the month the end of day balance falls below $10,000. (New Money ONLY.)

Money Market Accounts

Product	APY*	Interest Rate	Tier Balance to Earn APY	Minimum to Open
Money Market Account**	0.15%	0.15%	$2,000 to under $10,000	$2,000 Open Now
$10,000 to under $25,000	0.20%	0.20%	$10,000 to under $25,000
$25,000 to under $50,000	0.25%	0.25%	$25,000 to under $50,000
$50,000 to under $75,000	0.30%	0.30%	$50,000 to under $75,000
$75,000 or more	0.35%	0.35%	$75,000 or more
Online Money Market*** New Money ONLY	1.75%	1.74%	$10,000.00 and above	$2,000 Open Now
Under $10,000	0.15%	0.15%	Under $10,000.00

*Annual Percentage Yield.
**Rates are variable and subject to change after account opening without notice. Dividends are compounded and paid monthly. Fees may reduce earnings. Balances below $2,000 will revert to regular savings rate. Minimum balance to open is $2,000. Low balance fee of $5 if month end balance is less than $2,000 and there is no associated loan product.
***Annual Percentage Yield (APY) as of 02/16/2018, but may vary after account opening, and is subject to change and based on daily balances. This is a variable rate account and rates may change throughout the month and will affect the monthly interest payment. Minimum of $2,000 to open. On daily balances below $2,000, rate will be comparable to the regular savings rate. Low balance fee of $5.00 if month end balance is less than $2,000 and no associated loan product. Fees may reduce earnings. This account can only be opened online. New money only.

Certificates of Deposit

Product	APY*	Interest Rate	Minimum Balance to Earn APY	Minimum to Open
3 months	0.25%	0.25%	$0.01	$500 Open Now
6 months	0.35%	0.35%	$0.01	$500 Open Now
9 months - SPECIAL**	1.95%	1.93%	$0.01	$500
12 months	0.90%	0.90%	$0.01	$500 Open Now
12 months - SPECIAL**	2.05%	2.03%	$0.01	$500
18 months	1.25%	1.24%	$0.01	$500 Open Now
18 months - SPECIAL**	2.15%	2.13%	$0.01	$500
24 months	1.25%	1.24%	$0.01	$500 Open Now
24 months - SPECIAL**	2.25%	2.23%	$0.01	$500
36 months	1.75%	1.73%	$0.01	$500 Open Now
60 months	1.75%	1.73%	$0.01	$500 Open Now

IRAs

Product Name	APY*	Interest Rate	Min. Balance to Earn APY	Min. Balance to Open
IRA Accumulator	0.50%	0.50%	$25.00	$10.00
Roth, Education Accumulator	0.50%	0.50%	$25.00	$10.00

IRA CDs

Term	APY*	Interest Rate	Min. Balance to Earn APY	Min. Balance to Open
9 Months Traditional/Roth Special	1.95%	1.93%	$0.01	$500
12 Months Traditional/Roth	1.00%	1.00%	$0.01	$500.00
12 Months Traditional/Roth Special	2.15%	2.13%	$0.01	$500.00
18 Months Traditional/Roth	1.35%	1.34%	$0.01	$500.00
18 Months Traditional/Roth Special	2.25%	2.23%	$0.01	$500.00
20 Months Traditional/Roth	1.35%	1.34%	$0.01	$500.00
24 Months Traditional/Roth	1.35%	1.34%	$0.01	$500.00
24 Months Traditional/Roth Special	2.35%	2.32%	$0.01	$500.00
36 Months Traditional/Roth	1.85%	1.83%	$0.01	$500.00
60 Months Traditional/Roth	1.85%	1.83%	$0.01	$500.00

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