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Checking Rates

Personal Checking Accounts

Name	Dividend Rate	APY*	Minimum Opening Deposit	Minimum Balance to Earn Stated APY*
C1st Free Checking	0.00%	0.00%	-	-
Your Voice Checking	0.20%	0.20%	-	-
C1st Interest Checking	0.20%	0.20%	-	-
Platinum Checking	0.40%	0.40%	$1,000	$1,000
ClubGO Checking	0.20%	0.20%	-	-
*APY is Annual Percentage Yield. Minimum daily average, dividends will be compounded and credited monthly. Dividends are calculated by the daily balance method. The minimum daily balance to earn must be maintained each day to obtain the disclosed annual percentage yield. Rates may vary after the account is opened. Fees may be assessed if minimum balance requirement is not maintained. Fees could reduce earnings on the account. APY accurate as of the last dividend declaration date. Rates subject to change at any time.

Name	Dividend Rate	APY*	Minimum Opening Deposit	Minimum Balance to Earn Stated APY*
C1st Cash: Qualifications Met**	2.96%	3.00%	-	$0.01
C1st Cash: Qualifications Met**	0.15%	0.15%	-	$15,001
C1st Cash: Qualifications Not Met**	0.03%	0.03%	-	-
C1st Cash Back	0.00%	0.00%	-	-
APY is Annual Percentage Yield. APY accurate as of the last dividend declaration date. Dividends computed using Daily Balance Method. Dividends compounded monthly. Fees could reduce earnings. Rates may vary after the account is opened. To qualify per monthly qualification cycle, you must: 1) make 12 debit card (non-ATM) transactions; 2) be enrolled in and log in to online banking at least once per cycle; 3) be enrolled in and receive eStatements. Rates subject to change at any time. *C1st Cash: 3.00% APY will be paid on the portion of daily balance of $15,000 or less. Portion of daily balance over $15,000 earns an interest rate of 0.15%, resulting in an APY of 3.00% to 0.45%, depending on the balance. If qualifications are not met, all balances in the C1st Cash will earn 0.03% APY.