Most Valuable Savings

• Earn interest on both accounts
• Earns 1.00% APY* on entire balance
• Earns 0.05% APY* on balance if qualifications are not met
• No monthly service fee
• No minimum balance to earn rewards or maintain free account
• Linked to Most Valuable Checking account of your choice
• ATM fee refunds nationwide (up to $50 per statement cycle)
• These earnings automatically deposited in Most Valuable Savings
• Free online banking
• Free e-Statements
• $50 minimum deposit to open
• FDIC insured

Qualifiers

• Be enrolled & receive e-statements
• Make 10 debit card transactions that post and settle during the cycle
• Have at least one automatic debit (ACH) transaction, like a direct deposit or bill pay, post and settle per qualification cycle

No Penalties

Even if you don't qualify during a given cycle, you can try again next cycle to earn rewards.

*Annual Percentage Yield (APY) accurate as of 5/1/2013. Minimum to open Most Valuable Checking account is $50 and $50 for Most Valuable Savings. Most Valuable Checking rate tiers are as follows: 2.00% APY applies to balances of $0.01-$15,000 and 0.50% APY applies to balances over $15,000, if qualifications are met during the monthly qualifications cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.50% APY to 2.00% APY as long as monthly qualifications are met. The advertised Most Valuable Checking APY is based on compounding interest. The interest earned in Most Valuable Checking is automatically transferred to Most Valuable Savings each statement cycle and does not compound. The actual interest paid may be less than the advertised APY. Most Valuable Savings APYs may be less than Most Valuable Checking APYs. Most Valuable Savings rate tiers are as follows: Qualified Rate of 1.00% APY on entire balance if qualifications are met during monthly qualification cycle on Most Valuable Checking. Base Rate of 0.05% APY applies to all balances if qualifications are not met on Most Valuable Checking. Qualifying transactions must post and settle to the Most Valuable Checking Account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. ATM transactions and intra-bank transfers do not count as qualifying ACH transactions. Rates may change after account is opened. Fees may reduce earnings. Not available as a stand-alone product, must be opened in conjunction with a Most Valuable Checking account.

**If you have met your qualifications for the specified qualification cycle, we will reimburse you for domestic ATM fees assessed to your Most Valuable Checking account up to $50 per qualification cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transactions. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying transactions for purposes of earning rewards within this account.

Most Valuable Checking-with Cash Back customers: ATM fee reimbursements will be credited to your Most Valuable Savings account on the last day of your statement cycle.

Most Valuable Checking-with Interest customers: ATM fee reimbursements will be credited to your Most Valuable Checking account on the last day of your statement cycle and then transferred to your Most Valuable Savings account on the next business day.