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Quontic Rate Sheet

This disclosure contains information about terms and interest rates for some of the accounts we offer.

Note. In this disclosure, the Annual Percentage Yield is abbreviated as “APY”. If this disclosure was given to you in connection with an inquiry, the Interest Rate(s) and APY(s) shown are accurate as of October 6, 2024

CERTIFICATES OF DEPOSIT (CD)

RATE INFORMATION. The fixed term duration, interest rate and annual percentage yield on this account is as follows:
(CD) Term
Interest Rate
APY
Minimum Balance
60 Months
2.96%
3.00%
$500.00
36 Months
3.20%
3.25%
$500.00
24 Months
3.30%
3.35%
$500.00
12 Months
3.92%
4.00%
$500.00
6 Months
4.50%
4.60%
$500.00
3 Months
4.83%
4.95%
$500.00

MINIMUM BALANCE REQUIREMENTS. You must deposit $500.00 to open this account. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

DISCLAIMER. Withdrawals before the maturity date are subject to penalties.

MONEY MARKET ACCOUNT

TIERED VARIABLE RATE INFORMATION. The interest rate and annual percentage yield on this account is as follows:
Minimum Daily Balance to Obtain APY
Interest Rate
APY
Balances through $4,999.99
4.88%
5.00%
$5,000.00 – $149,999.99
4.88%
5.00%
Balances over $149,999.99
4.88%
5.00%

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account. No minimum daily balance required and no maintenance fee. You must maintain a minimum balance stated above in the account each day to obtain the disclosed annual percentage yield. You will earn interest every day during the period that your account equals or exceeds the minimum daily balance requirement.

HIGH INTEREST CHECKING ACCOUNT

CONDITIONAL TIERED VARIABLE RATE INFORMATION. The High Interest Account is a conditional tiered variable rate account. The conditional tiered variable interest rate and annual percentage yield is based on (A) fulfilling the minimum qualifying activity requirements, per statement cycle, of 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, and (B) the balance falling within the specified tiers wherein your balance earns the interest rate and annual percentage yield in effect that day for the balance tier associated with your end-of-day balance. If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.01%.
Account Daily Balance Portion
Qualifying Debit Card Transaction
Interest Rate
APY
$0 – $150,000
Yes
1.09%
1.10%
$150,000.01 – $1,000,000
Yes
1.09%
1.10%
$1,000,000.01 – and above
Yes
1.09%
1.10%
Any balance
No
0.01%
0.01%

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account. No minimum daily balance required and no maintenance fee.

HIGH YIELD SAVINGS ACCOUNT

TIERED VARIABLE RATE INFORMATION. The interest rate and annual percentage yield on this account is as follows:
Minimum Daily Balance to Obtain APY
Interest Rate
APY
Balances through $999,999.99
4.40%
4.50%

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account. No minimum balance fee will be imposed. You must maintain a minimum daily balance stated above in the account each day to obtain the disclosed annual percentage yield. You will earn interest every day during the period that your account equals or exceeds the minimum daily balance requirement.