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Rates

Current rates for deposit accounts at 1st Security Bank.

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¹APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF 6/2/2025. APY IS SUBJECT TO CHANGE DAILY. 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 ⁴TOTAL BALANCE PLUS INTEREST EARNED MAY BE WITHDRAWN TO CLOSE THE CD WITHOUT PENALTY SEVEN DAYS OR LATER AFTER THE ACCOUNT WAS OPENED AND FUNDED.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. ⁶CURRENT CUSTOMERS MAY OPEN THIS ACCOUNT BY LOGGING IN TO ONLINE BANKING. NON-CUSTOMERS MUST VISIT THEIR LOCAL BRANCH TO OPEN THIS ACCOUNT. ⁷MINIMUM OPENING DEPOSIT FOR THE 1ST RATE MONEY MARKET REQUIRES $50,000 IN NEW MONEY AND CAN BE COMBINED WITH OTHER FUNDS ON DEPOSIT AT THE BANK. NEW MONEY IS DEFINED AS FUNDS FROM ANOTHER INSTITUTION.

Compare Accounts
Account Name	Minimum Opening Deposit	Annual Percentage Yield¹	Annual Percentage Yield with Relationship Account²
Certificates of Deposit^3,5 180-Day 1-YearSpecial Rate 21-Month 2-Year 30-Month 48-Month 5-Year 11-Month Risk Free CD^4,5,6 Open an Account(Opens an external site)Open an Account(Opens an external site)	$500 $500 $500 $500 $500 $500 $500 $25,000	3.30% 3.36% 2.75% 2.00% 2.25% 3.00% 1.90% 2.75%	4.05% 4.11% 3.50% 2.75% 3.00% 3.75% 2.65% 3.50%
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 Open an Account(Opens an external site)Open an Account(Opens an external site)	$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 Open an Account(Opens an external site)Open an Account(Opens an external site)	$100 $100 $100 $100	0.35% 0.55% 0.75% 1.00%	$1,500 $1,500 $1,500 $1,500
1st Rate Money Market^5,6 up to $99,999.99 $100,000.00 and greater	$100,000⁷ $100,000⁷	0.05% 3.75%	$100,000 $100,000

*¹ APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF NOVEMBER 18, 2024. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT.*

Compare Checking Accounts
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 Open an Account Open an Account	$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 Open an Account Open an Account	$100	NA	$500
1st Classic Checking Open an Account Open an Account	$100	NA	$0.00
1st Hero Checking Open an Account Open an Account	$100	NA	$0.00
1st Gold Student Checking View Locations View Locations	$25	NA	$0.00

¹ APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF NOVEMBER 18, 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 OR OPTIMUM STUDENT 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. ⁴ TO OPEN THIS ACCOUNT THE CUSTOMER MUST MAINTAIN AN ACTIVE 1ST GOLD STUDENT CHECKING ACCOUNT WITH 1ST SECURITY BANK.

Compare Savings Accounts
Account Name	Minimum Opening Deposit	Annual Percentage Yield¹	Minimum Daily Balance to Avoid Service Charge
Optimum Savings^2,3 $0-$5,000 $5,000.01 and greater Open an Account(Opens an external site)Open an Account(Opens an external site)	$100 $100	5.00% 5.00% to 0.25%	NA NA
Preferred Savings Open an Account(Opens an external site)Open an Account(Opens an external site)	$100	0.05%	$300
Optimum Student Savings^3,4 $0-$5,000 $5,000.01 and greater Must be opened at a branch	$25 $25	5.00% 5.00% to 0.25%	NA NA
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

*¹ THIS ACCOUNT PAYS AN EARNINGS CREDIT ALLOWANCE. BALANCES EARN A CREDIT THAT MAY OFFSET MONTHLY MAINTENANCE AND TRANSACTION FEES AND CHARGES.*

Compare Checking Accounts
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

¹ APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF AUGUST 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 $150,000 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 $135,000.

Compare Savings Accounts
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 Savings^2,3 $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-$49,999.99 $50,000-$99,999.99 $100,000 and greater	$2,500 $2,500 $2,500	1.00% 1.50% 3.50%	$2,500 $2,500 $2,500