Deposit Rates

Rates effective as of April 1, 2023

Checking Accounts

Account	Minimum Required Opening Deposit	Daily Balance Required	APY*
Essential Checking	$0.00	$100 – $4,999.99	0.30%
		$5,000.00 and over	0.30%

Savings / Holiday & Vacation Club Accounts

Daily Balance Required	Minimum Required Opening Deposit	APY*
$100.00 – $9,999.99	$5.00	0.30%
$10,000.00 – $24,999.99	$5.00	0.30%
$25,000.00 and over	$5.00	0.30%

Savings Account for Kids

Daily Balance Required	Minimum Required Opening Deposit	APY*
$5.00 – $9,999.99	$5.00	0.30%
$10,000.00 – $24,999.99	$5.00	0.30%
$25,000.00 and over	$5.00	0.30%

Term Share Certificates and IRAs

Term	Minimum Required Opening Deposit	APY*
3 Months	$1,000.00	0.30%
6 Months	$1,000.00	0.30%
12 Months	$500.00	0.35%
15 Months	$500.00	5.25%**
24 Months	$500.00	0.45%
36 Months	$500.00	0.50%
48 Months	$500.00	0.65%
60 Months	$500.00	0.70%

*APY=Annual Percentage Yield. Rates may change after the account is opened. There is no early withdrawal penalty imposed on term share certificates. Fees may reduce earnings on accounts.

**APY is the Annual Percentage Yield. The minimum opening deposit required to earn this APY is $500, and the maximum is $250,000. The APY assumes that all dividends remain on deposit until maturity. Promotion is subject to change at any time. A 14-month or 23-Month Certificate automatically renews to a 12-month term at maturity. There are no early withdrawal penalties. Other fees may reduce earnings. Arize FCU membership is required. New money only. Other restrictions may apply. Fees may reduce earnings. Offer may terminate at any time without prior notice.