Checking & Savings

Rates effective September 1, 2023.

Checking Account Rates
Account Type	Minimum Initial Deposit	Interest Rate	APY*	Compound	Minimum to Earn Disclosed APY
HSB Rewards Plus (personal) **	$1,000	0.05%	0.05%	Daily	$1,000
Now Checking Business**	$1,000	0.05%	0.05%	Daily	$1,000

*APY = Annual Percentage Yield.
**You must maintain a minimum daily balance of $1,000 to obtain the disclosed annual percentage yield. FEES MAY REDUCE EARNINGS. These are variable rate accounts; the interest rate may change after account opening.

Savings Account Rates
Account Type	Minimum Initial Deposit	Interest Rate	APY*	Compound	Minimum to Earn Disclosed APY
Statement Savings **	$100	0.05%	0.05%	Daily	$1
Super Savings (up to $499.99) **	$500	0.05%	0.05%	Daily	$1
Super Savings ($500 or more) **	$500	0.10%	0.10%	Daily	$500

* APY = Annual Percentage Yield.

** FEES MAY REDUCE EARNINGS. These are variable rate accounts; the interest rate may change after account opening.

Money Market Account Rates
Account Type	Minimum Initial Deposit	Interest Rate	APY*	Compound	Minimum to Earn Disclosed APY
Balance of $2,500 to $49,999.99**	$2,500	0.05%	0.05%	Daily	$2,500
Balance of $50,000 to $249,999.99**	$2,500	0.10%	0.10%	Daily	$50,000
Balance of $250,000 to 999,999.99**	$2,500	0.15%	0.15%	Daily	$250,000
Balance of $1,000,000 or more**	$2,500	0.20%	0.20%	Daily	$1,000,000

* APY = Annual Percentage Yield.

** Interest will accrue at the stated rate each day the account meets the stated minimum balance. FEES MAY REDUCE EARNINGS. This is a variable rate account; the interest rate may change after account opening.

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