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Money Markets and CDs

1APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF MAY 28, 2024. APY IS SUBJECT TO CHANGE DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. 2A RELATIONSHIP IS DEFINED AS AN OPEN AND ACTIVELY USED ACCOUNT. RECEIVE THE RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. 3EARLY WITHDRAWAL PENALTY MAY APPLY. 4TOTAL BALANCE PLUS INTEREST EARNED MAY BE WITHDRAWN TO CLOSE THE CD WITHOUT PENALTY SEVEN DAYS OR LATER AFTER THE ACCOUNT WAS OPENED AND FUNDED. PARTIAL WITHDRAWAL OF PRINCIPAL IS NOT PERMITTED. 5OPENING ACCOUNT BALANCE CANNOT EXCEED $240,000 PER ACCOUNT. 6THIS ACCOUNT MUST BE OPENED IN-BRANCH. 7TO RECEIVE THIS NEW MONEY PROMOTIONAL APY, THE CD MUST BE OPENED WITH A MINIMUM OF $25,000 IN FUNDS FROM ANOTHER FINANCIAL INSTITUTION.
Account Name Minimum Opening Deposit Annual Percentage Yield1 Annual Percentage Yield with Relationship Account2

Certificates of Deposit3,5

180-Day

1-Year

13-Month*Great Rate*

15-Month*Promo Rate*

(Existing Money)

15-Month7*Promo Rate*

(New Money Requirement7)

21-Month

30-Month

48-Month

5-Year

11-Month Risk Free CD4,5,6

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$500

$500

$500

$500

 

$25,000

 

$500

$500

$500

$500

$25,000 

  

4.00%

1.90%

4.10%

N/A

 

N/A

 

3.46%

2.25%

3.25%

1.90%

3.50% 

  

4.75%

2.65%

4.85%

5.00%

 

5.09%

 

4.21%

3.00%

4.00%

2.65%

4.25% 

Account Name Minimum Opening Deposit Annual Percentage Yield1 Minimum Daily Balance to Avoid Service Charge

High Yield Money Market

up to $4,999.99

$5,000-$99,999.99

$100,000-$249,999.99

$250,000-$999,999.99

$1,000,000 and greater

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$1,500

$1,500

$1,500

$1,500

$1,500

 

0.50%

0.75%

1.00%

1.50%

2.00%

 

$1,500

$1,500

$1,500

$1,500

$1,500

Tiered Rate Money Market

up to $4,999.99

$5,000-$49,999.99

$50,000-$99,999.99

$100,000 and greater

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$100

$100

$100

$100

 

0.35%

0.55%

0.75%

1.00%

 

$1,500

$1,500

$1,500

$1,500

Personal Checking

1 APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF JUNE 1, 2021. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT.
Account Name Minimum Opening Deposit Annual Percentage Yield1 Minimum Daily Balance to
Avoid Service Charge
1st Platinum Checking

$0-$2,499.99
$2,500-$4,999.99
$5,000-$9,999.99
$10,000-$49,999.99
$50,000-$99,999.99
$100,000 and greater

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$100
$100
$100
$100
$100
$100


NA
0.01%
0.01%
0.01%
0.05%
0.05%

$2,500
$2,500
$2,500
$2,500
$2,500
$2,500
1st Gold Checking

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$100 NA $500
1st Classic Checking

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$100 NA $0.00

Personal Savings

1 APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF FEBRUARY 21, 2023. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. 2 TO OPEN THIS ACCOUNT, THE BANK REQUIRES A RELATIONSHIP ACCOUNT. RELATIONSHIP IS DEFINED AS OPENING AND USING A CONSUMER OR BUSINESS CHECKING ACCOUNT WITH 1ST SECURITY BANK. 3 VARIABLE RATE INFORMATION. THE INTEREST RATE OF THE TIER WILL BE PAID ONLY FOR THAT PORTION OF YOUR DAILY BALANCE THAT FALLS WITHIN THE TIER MINIMUM AND MAXIMUM. THE ANNUAL PERCENTAGE YIELD FOR EACH TIER WILL VARY, DEPENDING ON THE BALANCE IN THE ACCOUNT. FOR EXAMPLE, AN OPTIMUM SAVINGS ACCOUNT WITH A DAILY BALANCE OF $50,000 WOULD EARN AN INTEREST RATE OF 4.89% ON THE FIRST $5,000. THE ACCOUNT WOULD EARN AN INTEREST RATE OF 0.25% ON THE REMAINING $45,000.
Account Name Minimum Opening Deposit Annual Percentage Yield1 Minimum Daily Balance to
Avoid Service Charge
Optimum Savings2,3

$0-$5,000
$5,000.01 and greater

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$100
$100


5.00%
5.00% to 0.25%

NA
NA
Preferred Savings

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$100 0.05% $300
Youth Savings

Must be opened at a branch

$5 0.10% $0.00
Uniform Transfer to Minors

Must be opened in-branch

$50 0.10% $0.00

Business Checking

1 THIS ACCOUNT PAYS AN EARNINGS CREDIT ALLOWANCE. BALANCES EARN A CREDIT THAT MAY OFFSET MONTHLY MAINTENANCE AND TRANSACTION FEES AND CHARGES.
Account Name Minimum Opening Deposit Annual Percentage Yield1 Minimum Daily Balance to
Avoid Service Charge
1st Business Checking $100 NA $1,500
Premier Business Checking $100 NA See below**
Nonprofit Checking $100 NA $2,500
Small Business Checking $100 NA NA

Business Savings

1 APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF JANUARY 1, 2024. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. 2 TO OPEN THIS ACCOUNT, THE BANK REQUIRES A RELATIONSHIP ACCOUNT. RELATIONSHIP IS DEFINED AS OPENING AND USING A CONSUMER OR BUSINESS CHECKING ACCOUNT WITH 1ST SECURITY BANK. 3 VARIABLE RATE INFORMATION. THE INTEREST RATE OF THE TIER WILL BE PAID ONLY FOR THAT PORTION OF YOUR DAILY BALANCE THAT FALLS WITHIN THE TIER MINIMUM AND MAXIMUM. THE ANNUAL PERCENTAGE YIELD FOR EACH TIER WILL VARY, DEPENDING ON THE BALANCE IN THE ACCOUNT. FOR EXAMPLE, A BUSINESS OPTIMUM SAVINGS ACCOUNT WITH A DAILY BALANCE OF $50,000 WOULD EARN AN INTEREST RATE OF 4.89% ON THE FIRST $15,000. THE ACCOUNT WOULD EARN AN INTEREST RATE OF 0.25% ON THE REMAINING $45,000.
Account Name Minimum Opening Deposit Annual Percentage Yield1 Minimum Daily Balance to
Avoid Service Charge
Business Money Market

up to $9,999.99
$10,000-$24,999.99
$25,000-$99,999.99
$100,000-$249,999.99
$250,000-$999,999.99
$1,000,000 and greater


$1,500
$1,500
$1,500
$1,500
$1,500
$1,500


0.46%
0.65%
0.85%
1.25%
1.50%
2.00%

$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
Business Optimum Savings2,3

$0-$15,000
$15,000.01 and greater


$100
$100


5.00%
5.00% to 0.25%

NA
NA
Business Savings $500 0.01% $500
Nonprofit Savings2

$0-$2,499.99
$2,500-$4,999.99
$5,000-$9,999.99
$10,000-$49,999.99
$50,000-$99,999.99
$100,000 and greater


$2,500
$2,500
$2,500
$2,500
$2,500
$2,500


0.00%
0.01%
0.05%
0.75%
1.50%
3.50%

$2,500
$2,500
$2,500
$2,500
$2,500
$2,500