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1. A monthly service fee of $5 will be charged unless 1) the average account balance is $500 or more or 2) the combined account balance in your personal deposit accounts, where you are the primary owner, is $10,000 or more. The primary owner for joint accounts is the accountholder whose name appears first, and for fiduciary accounts is the principal owner of the funds. The average account balance for the Simple Checking Account is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of days within that statement period. The combined account balance includes the average account balance for the Simple Checking Account as of the statement date, the principal balance of all eligible CDs, and the average account balance for other eligible checking, savings and money market accounts. The average account balance for these accounts is calculated by adding the balance at the end of each calendar day since the start of the account’s statement period until the day before the Simple Checking’s statement date and dividing that sum by the total number of days in that period. Eligible accounts include both IRA and non-IRA accounts.  

2. Statement savings accounts:  Interest rates are set at the bank’s discretion. Interest rates and annual percentage yields may change at any time without notice. The interest rate and APY are effective as of June 14, 2021. You must maintain the minimum required balance in the account each day to obtain the annual percentage yield listed above.  We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit any non-cash items (for example, checks). Daily balance earns a variable rate of interest compounded and paid monthly, when the minimum balance requirements are met. If minimum balance requirements are not met, the monthly service fee is $3. Accounts closed before the interest payment date will not earn accrued interest for that period. See Personal Deposit Account Agreement and Disclosure and Rate Sheet for terms and conditions. 

3.The Advantage Money Market Account (the “Account”) must be opened online. Interest rates are set at the Bank’s discretion and may change without notice.  If your daily balance is $500,000 or less, the interest rate paid on the entire balance will be 0.645% with an annual percentage yield (“APY”) of 0.65%. No interest will be paid on that portion of your balance that is greater than $500,000. The APY for this tier will range from 0.65% to 0.32%, depending on the balance in the account. The interest rate and APY are effective as of September 10, 2021. Minimum balance of $25,000 is required to earn APY. The Account requires a minimum of $25,000 to open and a minimum daily balance of $25,000 to avoid a $25 monthly service fee. No monthly service fee will be assessed on the first statement cycle after account opening.  Fees may reduce earnings.  
See Personal Deposit Account Agreement and Disclosure and Rate Sheet, for additional terms and conditions. For new customers, only residents of Illinois and Wisconsin are eligible to open accounts online.

4. The Online Money Market Account (the “Account”) must be opened online.  Interest rates are set at the Bank’s discretion and may change without notice.    If your daily balance is $500,000 or less, the interest rate paid on the entire balance will be 0.395% with an annual percentage yield (“APY”) of 0.40%.  No interest will be paid on that portion of your balance that is greater than $500,000.  The APY for this tier will range from 0.40% to 0.20%, depending on the balance in the account.  The interest rate and APY are effective as of July 19, 2021. Minimum balance of $5,000 is required to earn APY.  The Account requires a minimum of $5,000 to open and a minimum daily balance of $5,000 to avoid a $25 monthly service fee.  Fees may reduce earnings. See Personal Deposit Account Agreement and Disclosure and Rate Sheet, for additional terms and conditions. For new customers, only residents of Illinois and Wisconsin are eligible to open accounts online. No monthly service fee will be assessed on the first statement cycle after account opening.

Rates and Interest
5. Rates and annual percentage yield (APY) are subject to change without notice. The annual percentage yield assumes that interest remains on deposit until maturity. An early withdrawal will reduce earnings. You must maintain this minimum balance to earn the annual percentage yield. The stated interest rate is fixed for the term of the Certificate and will be paid quarterly until maturity. Interest may be paid by check or transfer to another account, at your option. You will forfeit any accrued interest that has not yet been credited to your account, if the account is closed prematurely. Penalty fees for early withdrawal could reduce the earnings on the account. We use the daily balance method to calculate interest on this account. This method applied a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit any noncash item (for example, checks).

Deposits
Deposits are accepted to all CDs during the grace period. 

Withdrawals
You may not withdraw any principal from this Certificate before maturity without our consent, which may be withheld; if we permit such a withdrawal, you may have to pay a penalty as follows: A) Where the original maturity of the account is one year or less, the penalty will be forfeiture of the 90 days interest on the amount withdrawn, at the nominal (simple interest) rate in effect during the term. B) Where the original maturity of the account is more than one year, the penalty will be forfeiture of 180 days interest on the amount withdrawn at the nominal (simple interest) rate in effect during the term. C) If the withdrawal is within 6 days after the date of first deposit, a minimum of 7 days of interest will be charged as a penalty. You must withdraw funds within the grace period to avoid being charged a penalty. Fees could reduce the earnings on the account.

Renewal
Unless you notify us in writing before the maturity date, or within the grace period, Certificates of Deposit will automatically renew on the maturity date. The grace period is ten (10) calendar days for CDs with a term greater than 31 days and is three (3) calendar days for CDs with a term 31 days or less. We can prevent automatic renewal if we notify you in writing on or before the maturity date that we do not intend to renew the account. Promotional Certificate of Deposits may renew into a different term. If you close your CD during the grace period, no accrued interest will be paid after the maturity date. We send you a Maturity Notice prior to renewal. Please read It carefully. We may change the type, term or other feature of your bank CD by giving you notice. If we make a change, we tell you about the change in the Renewal Notice. See Personal Deposit Account Agreement and Disclosure and Rate Sheet for additional terms and conditions.

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