Effective: 1/15/2021

Evansville Deposit Rates

Checking Rates

Rate APY* Minimum to Open
Checking Plus - - $200
$0-$199 0.00% 0.00% -
$200 and above 0.05% 0.05% -
Business Plus 0.05% 0.05% $200
Advantage Checking - - $25
$0-$199 0.00% 0.00% -
$200 and above 0.05% 0.05% -
TheONE - - $5,000
$0-$999 0.00% 0.00% -
$1,000-$74,999 0.10% 0.10% -
$75,000-$99,999 0.15% 0.15% -
$100,000-$149,999 0.20% 0.20% -
$150,000-$199,999 0.25% 0.25% -
$200,000 and above 0.50% 0.50% -
Index Checking - - $250,000
$0-$249,999 0.05% 0.05% -
$250,000 and above 0.63% 0.63% -
Community Investment 0.50% 0.50% $25

Money Market Accounts Rates

Rate APY* Minimum to Open
MMDA - - $1,000
$0-$199 0.00% 0.00% -
$200-$999 0.05% 0.05% -
$1,000 and above 0.10% 0.10% -
InvestmentONE - - $15,000
$0-$999 0.00% 0.00% -
$1,000-$74,999 0.10% 0.10% -
$75,000-$99,999 0.15% 0.15% -
$100,000-$149,999 0.20% 0.20% -
$150,000-$199,999 0.25% 0.25% -
$200,000 and above 0.50% 0.50% -
BusinessONE - - $25,000
$0-$2,499 0.00% 0.00% -
$2,500-$24,999 0.05% 0.05% -
$25,000 and above 0.10% 0.10% -

Earnings Credit Rate

Rate
Earnings Credit Rate 0.25%

Savings Rates

Rate APY* Minimum to Open
Young Savers 0.05% 0.05% $5
Statement Savings 0.05% 0.05% $100
New Day 0.05% 0.05% $25
Advantage Savers 0.05% 0.05% $100
Holiday Club 0.05% 0.05% $5
Investment Flex Plus** - - $25,000
$0-$24,999 0.05% 0.05% -
$25,000 and above 0.50% 0.50% -

Health Savings Accounts

Rate APY* Minimum to Open
Health Savings Accounts - - $25
$0-$2,499 0.10% 0.10% -
$2,500-$9,999 0.15% 0.15% -
$10,000-$19,999 0.20% 0.20% -
$20,000 and above 0.25% 0.25% -

CD’s-Fixed Rate and IRA

Rate APY* Minimum to Open
30 Days 0.25% 0.25% $1,000
91 Days 0.30% 0.30% $1,000
182 Days 0.50% 0.50% $1,000
10 Month 0.50% 0.50% $1,000
12 Month 0.60% 0.60% $1,000
18 Month 0.65% 0.65% $1,000
21 Month 0.70% 0.70% $1,000
24 Month 0.75% 0.75% $1,000
30 Month 0.80% 0.80% $1,000
36 Month 0.85% 0.85% $1,000
48 Month 0.90% 0.90% $1,000
60 Month 1.00% 1.00% $1,000

CDs-Brokered Internet & Public

Rate APY*
Brokered Internet and Public CD 0.25% 0.25%

Effective: 12/31/2020

Carmel Deposit Rates

Checking Rates

Rate APY* Minimum to Open
Checking Plus - - $200
$0-$199 0.00% 0.00% -
$200 and above 0.05% 0.05% -
Business Plus 0.05% 0.05% $200
Advantage Checking - - $25
$0-$199 0.00% 0.00% -
$200 and above 0.05% 0.05% -
TheONE - - $5,000
$0-$999 0.00% 0.00% -
$1,000-$74,999 0.10% 0.10% -
$75,000-$99,999 0.15% 0.15% -
$100,000-$149,999 0.20% 0.20% -
$150,000-$199,999 0.25% 0.25% -
$200,000 and above 0.50% 0.50% -
Index Checking - - $250,000
$0-$249,999 0.05% 0.05% -
$250,000 and above 0.63% 0.63% -

Money Market Accounts Rates

Rate APY* Minimum to Open
MMDA - - $1,000
$0-$199 0.00% 0.00% -
$200-$999 0.05% 0.05% -
$1,000 and above 0.10% 0.10% -
InvestmentONE - - $15,000
$0-$999 0.00% 0.00% -
$1,000-$74,999 0.10% 0.10% -
$75,000-$99,999 0.15% 0.15% -
$100,000-$149,999 0.20% 0.20% -
$150,000-$199,999 0.25% 0.25% -
$200,000 and above 0.50% 0.50% -
BusinessONE - - $25,000
$0-$2,499 0.00% 0.00% -
$2,500-$24,999 0.05% 0.05% -
$25,000 and above 0.10% 0.10% -

Earnings Credit Rate

Rate
Earnings Credit Rate 0.25%

Savings Rates

Rate APY* Minimum to Open
Young Savers 0.05% 0.05% $5
Statement Savings 0.05% 0.05% $100
New Day 0.05% 0.05% $25
Advantage Savers 0.05% 0.05% $100
Holiday Club 0.05% 0.05% $5
Investment Flex Plus** - - $25,000
$0-$24,999 0.05% 0.05% -
$25,000 and above 0.50% 0.50% -

Health Savings Accounts

Rate APY* Minimum to Open
Health Savings Accounts - - $25
$0-$2,499 0.10% 0.10% -
$2,500-$9,999 0.15% 0.15% -
$10,000-$19,999 0.20% 0.20% -
$20,000 and above 0.25% 0.25% -

CD’s-Fixed Rate and IRA

Rate APY* Minimum to Open
30 Days 0.24% 0.24% $1,000
91 Days 0.50% 0.50% $1,000
182 Days 0.60% 0.60% $1,000
10 Month 0.65% 0.65% $1,000
12 Month 0.65% 0.65% $1,000
18 Month 0.70% 0.70% $1,000
21 Month 0.75% 0.75% $1,000
24 Month 0.80% 0.80% $1,000
30 Month 0.80% 0.80% $1,000
36 Month 0.80% 0.80% $1,000
48 Month 0.80% 0.80% $1,000
60 Month 0.85% 0.85% $1,000

Effective: 12/31/2020

Chicago Deposit Rates

Checking Rates

Rate APY* Minimum to Open
Now Account 0.05% 0.05% $1,500
Commercial Now 0.05% 0.05% $1,500

Money Market Accounts Rates

Rate APY* Minimum to Open
Personal MMDA - - $2,500
$2,500-$9,999 0.05% 0.05% -
$10,000-$24,999 0.10% 0.10% -
$25,000 and above 0.15% 0.15% -
Premium MMDA - - $50,000
$50,000 and above 0.15% 0.15% -
Business MMDA - - $2,500
$2,500-$9,999 0.05% 0.05% -
$10,000-$24,999 0.10% 0.10% -
$25,000 and above 0.15% 0.15% -

Savings Rates

Rate APY* Minimum to Open
Statement Savings 0.10% 0.10% $250
Senior Savings 0.10% 0.10% $100
Christmas Club 0.10% 0.10% $5
Vacation Club 0.10% 0.10% $5
Corporate Savings 0.10% 0.10% $250
Investment Flex Plus** - - $25,000
$0-$24,999 0.05% 0.05% -
$25,000 and above 0.50% 0.50% -

Health Savings Accounts

Rate APY* Minimum to Open
Health Savings Accounts - - $25
$0-$2,499 0.10% 0.10% -
$2,500-$9,999 0.15% 0.15% -
$10,000-$19,999 0.20% 0.20% -
$20,000 and above 0.25% 0.25% -

CD’s-Fixed Rate and IRA

Rate APY* Minimum to Open
91 Days 0.35% 0.35% $1,000
182 Days 0.50% 0.50% $1,000
12 Month 0.60% 0.60% $1,000
18 Month 0.65% 0.65% $1,000
21 Month 0.75% 0.75% $1,000
24 Month 0.80% 0.80% $1,000
30 Month 0.85% 0.85% $1,000
36 Month 0.85% 0.85% $1,000
48 Month 0.90% 0.90% $1,000
60 Month 1.00% 1.00% $1,000

Effective: 12/31/2020

Colorado Deposit Rates

Checking Rates

Rate APY* Minimum to Open
Checking Plus - - $200
$0-$199 0.00% 0.00% -
$200 and above 0.05% 0.05% -
Business Plus 0.05% 0.05% $200
Advantage Checking - - $25
$0-$199 0.00% 0.00% -
$200 and above 0.05% 0.05% -
TheONE - - $5,000
$0-$9,999 0.10% 0.10% -
$10,000-$49,999 0.15% 0.15% -
$50,000 and above 0.20% 0.20% -
Index Checking - - $250,000
$0-$249,999 0.05% 0.05% -
$250,000 and above 0.63% 0.63% -
Community Investment 0.50% 0.50% $25

Money Market Accounts Rates

Rate APY* Minimum to Open
MMDA - - $1,000
$0-$199 0.00% 0.00% -
$200-$999 0.05% 0.05% -
$1,000 and above 0.10% 0.10% -
InvestmentONE - - $15,000
$0-$9,999 0.15% 0.15% -
$10,000-$49,999 0.19% 0.19% -
$50,000-$149,999 0.25% 0.25% -
$150,000 and above 0.30% 0.30% -
BusinessONE - - $25,000
$0-$2,499 0.00% 0.00% -
$2,500-$24,999 0.05% 0.05% -
$25,000 and above 0.10% 0.10% -

Earnings Credit Rate

Rate
Earnings Credit Rate 0.25%

Savings Rates

Rate APY* Minimum to Open
Young Savers 0.11% 0.11% $5
Statement Savings 0.11% 0.11% $100
New Day 0.11% 0.11% $25
Advantage Savers 0.11% 0.11% $100
Holiday Club 0.11% 0.11% $5
Investment Flex Plus** - - $25,000
$0-$24,999 0.11% 0.11% -
$25,000 and above 0.50% 0.50% -

Health Savings Accounts

Rate APY* Minimum to Open
Health Savings Accounts - - $25
$0-$2,499 0.10% 0.10% -
$2,500-$9,999 0.15% 0.15% -
$10,000-$19,999 0.20% 0.20% -
$20,000 and above 0.25% 0.25% -

CD’s-Fixed Rate and IRA

Rate APY* Minimum to Open
30 Days 0.10% 0.10% $1,000
91 Days 0.20% 0.20% $1,000
182 Days 0.30% 0.30% $1,000
10 Month 0.40% 0.40% $1,000
12 Month 0.60% 0.60% $1,000
18 Month 0.70% 0.70% $1,000
21 Month 0.85% 0.85% $1,000
24 Month 0.75% 0.75% $1,000
30 Month 0.75% 0.75% $1,000
36 Month 0.75% 0.75% $1,000
48 Month 0.75% 0.75% $1,000
60 Month 0.75% 0.75% $1,000

Effective: 12/31/2020

Ft. Myers Deposit Rates

Checking Rates

Rate APY* Minimum to Open
Checking Plus - - $200
$0-$199 0.00% 0.00% -
$200 and above 0.10% 0.10% -
Business Plus 0.10% 0.10% $200
Advantage Checking - - $25
$0-$199 0.00% 0.00% -
$200 and above 0.10% 0.10% -
TheONE - - $5,000
$0-$999 0.05% 0.05% -
$1,000-$74,999 0.15% 0.15% -
$75,000-$99,999 0.20% 0.20% -
$100,000-$149,999 0.25% 0.25% -
$150,000-$199,999 0.30% 0.30% -
$200,000 and above 0.50% 0.50% -
Index Checking - - $250,000
$0-$249,999 0.05% 0.05% -
$250,000 and above 0.63% 0.63% -
Community Investment 0.50% 0.50% $25

Money Market Accounts Rates

Rate APY* Minimum to Open
MMDA - - $1,000
$0-$199 0.00% 0.00% -
$200-$999 0.05% 0.05% -
$1,000 and above 0.15% 0.15% -
InvestmentONE - - $15,000
$0-$999 0.05% 0.05% -
$1,000-$74,999 0.15% 0.15% -
$75,000-$99,999 0.20% 0.20% -
$100,000-$149,999 0.25% 0.25% -
$150,000-$199,999 0.30% 0.30% -
$200,000 and above 0.50% 0.50% -
BusinessONE - - $25,000
$0-$2,499 0.00% 0.00% -
$2,500-$24,999 0.10% 0.10% -
$25,000 and above 0.15% 0.15% -

Earnings Credit Rate

Rate
Earnings Credit Rate 0.25%

Savings Rates

Rate APY* Minimum to Open
Young Savers 0.10% 0.10% $5
Statement Savings 0.10% 0.10% $100
New Day 0.10% 0.10% $25
Advantage Savers 0.10% 0.10% $100
Holiday Club 0.10% 0.10% $5
Investment Flex Plus** - - $25,000
$0-$24,999 0.10% 0.10% -
$25,000 and above 0.50% 0.50% -

Health Savings Accounts

Rate APY* Minimum to Open
Health Savings Accounts - - $25
$0-$2,499 0.10% 0.10% -
$2,500-$9,999 0.15% 0.15% -
$10,000-$19,999 0.20% 0.20% -
$20,000 and above 0.25% 0.25% -

CD’s-Fixed Rate and IRA

Rate APY* Minimum to Open
30 Days 0.50% 0.50% $1,000
91 Days 0.50% 0.50% $1,000
182 Days 0.55% 0.55% $1,000
10 Month 0.55% 0.55% $1,000
12 Month 0.70% 0.70% $1,000
17 Month 0.60% 0.60% $1,000
18 Month 0.65% 0.65% $1,000
21 Month 0.70% 0.70% $1,000
24 Month 0.70% 0.70% $1,000
30 Month 0.75% 0.75% $1,000
36 Month 0.80% 0.80% $1,000
48 Month 0.85% 0.85% $1,000
60 Month 0.90% 0.90% $1,000

Effective: 12/31/2020

St. Elmo Deposit Rates

Checking Rates

Rate APY* Minimum to Open
Business Plus 0.05% 0.05% $200
Advantage Checking - - $25
$0-$199 0.00% 0.00% -
$200 and above 0.05% 0.05% -
NOW Accounts - - $1,500
$0-$1,499 0.01% 0.01% -
$1,500-$4,999 0.05% 0.05% -
$5,000-$24,999 0.15% 0.15% -
$25,000 and above 0.20% 0.20% -
Index Checking - - $250,000
$0-$249,999 0.05% 0.05% -
$250,000 and above 0.63% 0.63% -

Money Market Accounts Rates

Rate APY* Minimum to Open
Personal Money Market - - $2,500
$0-$2,499 0.00% 0.00% -
$2,500-$4,999 0.05% 0.05% -
$5,000-$24,999 0.10% 0.10% -
$25,000 and above 0.30% 0.30% -
InvestmentONE - - $15,000
$0-$24,999 0.00% 0.00% -
$25,000-$49,999 0.40% 0.40% -
$50,000 and above 0.80% 0.80% -
BusinessONE - - $25,000
$0-$2,499 0.00% 0.00% -
$2,500-$4,999 0.05% 0.05% -
$5,000-$24,999 0.10% 0.10% -
$25,000 and above 0.30% 0.30% -

Earnings Credit Rate

Rate
Earnings Credit Rate 0.25%

Savings Rates

Rate APY* Minimum to Open
Young Savers 0.15% 0.15% $5
Statement Savings 0.15% 0.15% $100
New Day 0.05% 0.05% $25
Advantage Savers 0.05% 0.05% $100
Holiday Club 0.25% 0.25% $5
Investment Flex Plus** - - $25,000
$0-$24,999 0.05% 0.05% -
$25,000 and above 0.50% 0.50% -

Health Savings Accounts

Rate APY* Minimum to Open
Health Savings Accounts - - $25
$0-$2,499 0.10% 0.10% -
$2,500-$9,999 0.15% 0.15% -
$10,000-$19,999 0.20% 0.20% -
$20,000 and above 0.25% 0.25% -

CD’s-Fixed Rate and IRA

Rate APY* Minimum to Open
91 Days 0.35% 0.35% $1,000
182 Days 0.45% 0.45% $1,000
9 Month 0.50% 0.50% $1,000
12 Month 0.55% 0.55% $1,000
15 Month 0.60% 0.60% $1,000
16 Month 0.60% 0.60% $1,000
18 Month 0.65% 0.65% $1,000
24 Month 0.85% 0.85% $1,000
30 Month 0.95% 0.95% $1,000
36 Month 1.05% 1.05% $1,000
48 Month 1.20% 1.20% $1,000
60 Month 1.27% 1.27% $1,000

Member FDIC*APY=Annual Percentage Yield accurate as of the date shown and is subject to change without notice at the Bank’s sole discretion. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal.

**A United Fidelity Bank Checking Account is required to open an Investment FlexPlus Savings.

Additional information available from any of our Customer Service Specialists.