*All consumer checking accounts have a minimum opening deposit of $25. LIFE CHECKING: Daily balances up to $5,000.00 earn an interest rate of 4.90% with an Annual Percentage Yield (APY) of 5.00%. The initial rate on your account for this tier will not drop below the floor rate of 5.00% APY through at least 12/31/18. Balances $5,000.01 or greater earn an interest rate and APY of 0.25%. Must make 20 debit card purchases per statement cycle; signature or PIN based transactions qualify. Debits are determined on the date it is posted to your account and not the date of the transaction/purchase. Debit purchases at or near the end of the month may post in the next month’s statement cycle. ATM transactions do not count as debit transactions to qualify for the preferred rate. If requirements are not met the account earns a base interest rate and APY of 0.01% on all balances. No minimum balance required. This is a variable rate account. For consumer deposits only. LIFE SAVINGS: Must have a Life Checking account in order to open a Life Savings account. Daily balances up to $10,000.00 earn an interest rate of 2.47% with an APY of 2.50%. The initial rate on your account for this tier will not drop below the floor rate of 2.50% APY through at least 12/31/2018. Balances $10,000.01 or greater earn an interest rate and APY of 0.25%. Must meet requirements of Life Checking account listed above in order to be eligible for the stated rates. If requirements are not met the account earns a base interest rate and APY of 0.01% on all balances. Limit one Life Checking, one Life Savings per household. Limit one Instant Pot gift per household. Gift only available to new consumer checking account customers, and while promotion lasts. If the Life Checking account is closed within 6 months value of the Instant Pot ($79.00) will be debited from your account. Electronic statements are free and available upon successful set up with Online Banking. Paper statements are $2 per statement cycle. ATM refunds up to $20 per month. Does not include foreign currency charge.