Deposit Rates

Savings Rates

ACCOUNT TYPE	RATE TYPE	MINIMUM TO EARN DIVIDENDS	APY* = Annual Percentage Yield
Share Savings	Variable	$0	0.04%
Dream Savings	Variable	$0-(Maximum $1,000)	0.50%
Dream Club Certificate	Variable	$0	0.15%
MyPath Youth	N/A	N/A	N/A

CleaRewards Saver Rates

CleaRewards Saver linked with CleaRewards Checking OR CleaRewards Cash Back Checking Balance	Minimum Opening Deposit	*APY = Annual Percentage Yield**
0-$100,000	$0	3%
$100,000+	$0	0.50%
All balances if qualifications not met	$0	0.05%
Qualifications Qualifying for CleaRewards Checking or Cash Back accounts automatically qualifies you for the highest CleaRewards Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your CleaRewards Checking share during each Qualification Cycle. • At least 12 debit card purchases • Be enrolled in and agree to receive eStatements • Be enrolled in and log into online banking LEARN MORE

Checking Rates

ACCOUNT TYPE	RATE TYPE	MINIMUM TO EARN DIVIDENDS	APY* = Annual Percentage Yield
Basic Free Checking	N/A	N/A	N/A

CleaRewards Checking Rates

CleaRewards Checking Balance	Minimum Opening Deposit	*APY = Annual Percentage Yield**
0-$15,000	$0	5%
$15,000+	$0	0.50%
All balances if qualifications not met	$0	0.05%
Qualifications Enrollments must be in place and all of the following transactions and activities must post and settle to your CleaRewards account during each Monthly Qualification Cycle. • At least 15 debit card purchases • At least 1 ACH Credit or ACH Payment transaction • Be enrolled in and agree to receive eStatements LEARN MORE

CleaRewards Cash Back Rates

CleaRewards Cash Back Rewards Checking	Minimum Opening Deposit	Cash Back Rate
Cash back on debit card purchases	$0	6%
Qualifications Enrollments must be in place and all of the following transactions and activities must post and settle to your CleaRewards account during each Monthly Qualification Cycle. • At least 15 debit card purchases • At least 1 ACH Credit or ACH Payment transaction • Be enrolled in and agree to receive eStatements LEARN MORE

Money Market Rates

MONEY MARKET	RATE TYPE	MINIMUM TO EARN DIVIDENDS	APY* = Annual Percentage Yield
Standard	Variable	$2,500	0.50%
Gold	Variable	$50,000	1.00%
Platinum	Variable	$100,000	1.51%

IRAs

IRAs	RATE TYPE	MINIMUM TO EARN DIVIDENDS	APY* = Annual Percentage Yield
Traditional & Roth IRA Certificates, see Clearly Better Savings Certificates table below for dividend rates
Traditional Market IRA	Variable	$100	0.80%
Education Savings, Market ESA	Variable	$0	0.15%

Clearly Better Savings Certificates

SAVINGS CERTIFICATES	RATE TYPE	MINIMUM TO EARN DIVIDENDS	APY* = Annual Percentage Yield
3-11 Months	Fixed	$500	0.65%
12-23 Months	Fixed	$500	0.95%
24-35 Months	Fixed	$500	1.16%
36-47 Months	Fixed	$500	2.75%
48-59 Months	Fixed	$500	1.51%
60 Months	Fixed	$500	1.87%
RATES WITH MINIMUM DEPOSIT OF $10,000
3-11 Months	Fixed	$10,000	0.75%
12-23 Months	Fixed	$10,000	1.06%
24-35 Months	Fixed	$10,000	1.26%
36-47 Months	Fixed	$10,000	3.00%
48-59 Months	Fixed	$10,000	1.66%
60 Months	Fixed	$10,000	2.27%
RATES WITH MINIMUM DEPOSIT OF $50,000
3-11 Months	Fixed	$50,000	0.85%
12-23 Months	Fixed	$50,000	1.16%
24-35 Months	Fixed	$50,000	1.36%
36-47 Months	Fixed	$50,000	3.25%
48-59 Months	Fixed	$50,000	1.81%
60 Months	Fixed	$50,000	2.43%

OPEN AN ACCOUNT

IRA Certificates – minimum to earn dividends is $500
Deposit rates current as of January 1, 2026
*APR = Projected Dividend Rate. *APY = Projected Yield.

"Minimum Balance to Earn" Projected Annual Percentage Yield
Some savings rates are subject to change as often as weekly. Dividend rate and Annual Percentage Yield (APY) may change after account is opened. Projected APY assumes the principal is rolled over at maturity and dividends are not withdrawn. You must maintain the minimum balance in your account to obtain APY disclosed. Fees or premature withdrawal of funds could reduce earnings. To avoid service fees, minimum balance requirements and withdrawal limitations may apply to certain savings accounts. Refer to the Account Agreement and Truth in Savings Disclosure for other terms, penalties, and conditions which may apply. Call Financial Services at 800-433-7328 for more information.
**APY = Annual Percentage Yield. Rates and terms are subject to change. Advertised rate is for new money not previously on deposit at Clearpath. Maximum rate of 3.25% APY for existing funds on deposit at Clearpath. You must maintain the minimum balance in your account to obtain APY disclosed. Fees or early withdrawal of funds could reduce earnings. To avoid service fees, minimum balance requirements and withdrawal limitations may apply to certain savings accounts. Refer to the Account Agreement and Truth in Savings Disclosure for other terms, penalties, and conditions which apply.