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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 SEPTEMBER 01, 2022. 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 2.96% 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


3.00%
3.00% 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

Money Markets and CDs

1APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF DECEMBER 28, 2022. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. 2RELATIONSHIP ACCOUNT IS DEFINED AS OPENING AND USING A CONSUMER OR BUSINESS CHECKING ACCOUNT WITH 1ST SECURITY BANK. 3TO OPEN THIS ACCOUNT A RELATIONSHIP ACCOUNT MUST BE ESTABLISHED WITH THE BANK. 4EARN A RELATIONSHIP APY WHEN YOU HAVE A CONSUMER OR BUSINESS CHECKING ACCOUNT ESTABLISHED WITH THE BANK. 5EARLY WITHDRAWAL PENALTY MAY APPLY. 6TOTAL 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. 7OPENING ACCOUNT BALANCE CANNOT EXCEED $240,000 PER ACCOUNT IF YOU QUALIFY FOR THE RELATIONSHIP APY. 8THIS ACCOUNT MUST BE OPENED IN-BRANCH.
Account Name Minimum Opening Deposit Annual Percentage Yield1 Minimum Daily Balance to Avoid Service Charge
High Yield Money Market2

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


0.40%
0.45%
0.50%
1.00%
1.10%

$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


0.25%
0.30%
0.35%
0.40%

$1,500
$1,500
$1,500
$1,500
Account Name Minimum Opening Deposit Annual Percentage Yield1 Annual Percentage Yield with Relationship Account2,4
Certificates of Deposit5

180-Day7
1-Year
21-Month7*Special Rate*
30-Month
48-Month
5-Year

11-Month Risk Free6,7,8

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$500
$500
$500
$500
$500
$500

$25,000


2.75%
2.30%
3.65%
2.65%
3.65%
2.30%

3.15%

3.10%
2.65%
4.21%
3.00%
4.00%
2.65%

3.50%

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 AUGUST 01, 2022. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. 2 RELATIONSHIP ACCOUNT REQUIREMENT: TO OPEN THIS ACCOUNT THE CUSTOMER MUST MAINTAIN AN ACTIVE NONPROFIT OR PREMIER BUSINESS CHECKING ACCOUNT.
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


0.36%
0.40%
0.45%
0.50%
0.75%
0.75%

$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
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%
0.05%
0.15%
0.30%

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