Earn an Amazing 4.46% APY^1,2 on an Account of Your Choice

1. To earn the published interest rate, in the first 90 days of account opening, a monthly recurring direct deposit* of $500 or more must be established. Failure to set up a recurring direct deposit within 90 days of account opening will cause the account to revert to a non-interest earning account. Your account is set up to provide monthly E-Statements. A monthly $5.00 paper statement fee will be assessed should you choose to receive a paper statement. The interest rate on the account is 4.36% with an annual percentage yield of 4.46%. Interest Rate and Annual Percentage Yield (APY) are current as of 11-08-2024, the interest rate and annual percentage yield may change. You must deposit $50.00 to open this account. There is no minimum balance required to qualify for interest. Fees may reduce earnings. New money only**.

2. If the daily balance is more than $49,999.99, but less than $9,999,999.01, the interest rate paid on the entire balance in the account will be 4.36% with an annual percentage yield of 4.46%. If balance falls below $49,999.99, the interest rate paid on the entire balance in the account will be 0.05% and the annual percentage yield will be 0.05%. Interest Rate and APY are current as of 11-08-2024. The interest rate and annual percentage yield are subject to change.
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*We define Direct Deposit as follows: Direct deposits include automated preauthorized electronic deposits deposits made by the customer’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online/mobile banking or an Internet payment provider such as PayPal. Only one Choice Checking Account is permitted per customer.
** New Money is defined as deposits and investments not previously held by Climate First Bank. Choice Checking and Choice Money Market are available on personal bank accounts only, not available on business accounts.