Bank Five Nine Rates

(Effective 1/31/2025)

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Consumer – Deposit Account Rates

Account Type	Minimum Dollar Amount to Open Account	Minimum Dollar Amount to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
First Rate Money Market* (Consumer)	$2,500.00	$0.01 – $2,499.99 $2,500.00 – $14,999.99 $15,000.00 – $49,999.99 $50,000.00 – $99,999.99 $100,000.00 – $249,999.99 $250,000.00 – above	0.04% 0.10% 0.15% 0.20% 0.25% 0.30%	0.04% 0.10% 0.15% 0.20% 0.25% 0.30%
Relationship Money Market**	$15,000.00	Introductory Rate Tiers $0.01 – $14,999.99 $15,000.00 – above Standard Rate Tiers $0.01 – $2,499.99 $2,500.00 – $14,999.99 $15,000.00 – $49,999.99 $50,000.00 – $99,999.99 $100,000.00 – $249,999.99 $250,000.00 – above	0.10% 2.47% 0.04% 0.20% 0.30% 0.40% 0.50% 0.60%	0.10% 2.50% 0.04% 0.20% 0.30% 0.40% 0.50% 0.60%
IRA Money Market***	$100.00	$0.01	0.10%	0.10%
Statement Savings	$50.00	$0.01	0.04%	0.04%
Smart Savings	$50.00	$0.01	0.04%	0.04%
Elite Savings	$100.00	$0.01	0.10%	0.10%
Good Savers Savings	$25.00	$0.01	0.04%	0.04%
Health Savings Account*	$50.00	$0.01 – $2,499.99 $2,500.00 – $9,999.99 $10,000.00 – above	0.04% 0.06% 0.08%	0.04% 0.06% 0.08%

*Interest is calculated on the entire balance each day at the rate in effect for that balance tier.

** An open and active consumer checking account is required to maintain a Relationship Money Market account. An active consumer checking account is defined as an account which has activity consisting of either a recurring, monthly direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature based debit card transactions within any 45 day period. If the requirements of the active checking account are not met, we reserve the right to terminate the introductory rate prior to the 180th calendar day and rates will revert to the standard rates. If requirements are met, introductory rates are guaranteed for 180 calendar days after account opening. On the first business day following the 180th calendar day after account opening, rates will revert to standard rates and are subject to change at any time. Each Relationship Money Market account and consumer checking account can have no more than one (1) linked relationship. One Relationship Money Market account per household (physical, residential address). You cannot open a Relationship Money Market account if any owner or signer has previously been an owner or signer on a different Bank Five Nine Relationship Money Market or prior Money Market Special account within the past three (3) years. Cannot be opened with money currently on deposit at Bank Five Nine. Maximum new money deposit of $250,000. Applicable to Wisconsin residents and consumer accounts only.

*** We may change the interest rate on the account at any time. No bank penalty for early withdrawal. Withdrawals from IRA products before age 59½ may be subject to additional IRS taxes and penalties; consult your tax advisor regarding the tax implications. Certain retirement accounts are insured by the FDIC separately from non-retirement funds you may have on deposit with Bank Five Nine.

Interest rates are subject to change without notice. Certain activity restrictions may apply and fees could reduce earnings on the above accounts. Offer valid to consumer accounts only. Bank Five Nine does not generally accept institutional or brokered deposits to any of our deposit products.

Certificate of Deposit and Individual Retirement Account Rates

CD / IRA Term	Minimum Dollar Amount to Open CD and Obtain Annual Percentage Yield	Minimum Dollar Amount to Open IRA and Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
9 Month CD Special¹⁺	$2,500.00	N/A	4.43% / 4.72%^	4.50% / 4.80%^
17 Month CD Special²⁺	$2,500.00	N/A	4.43% / 4.72%^	4.51% / 4.80%^
25 Month CD Special³⁺	$2,500.00	N/A	4.43% / 4.72%^	4.50% / 4.80%^
6 Month CD / IRA*	$1,000.00	$100.00	2.97%	3.00%
12 Month CD / IRA*	$1,000.00	$100.00	3.55%	3.60%
24 Month CD / IRA*	$1,000.00	$100.00	3.75%	3.80%
Young American CD⁴	$200.00	N/A	3.75%	3.80%
36 Month CD / IRA*	$1,000.00	$100.00	3.94%	4.00%
48 Month CD / IRA*	$1,000.00	$100.00	3.94%	4.00%
60 Month CD / IRA*	$1,000.00	$100.00	3.94%	4.00%

1 – New Money only. At maturity, 9-month CD renews into a standard 12-month term. Unlimited new money deposits of $2,500 or more allowed during the initial term. IRAs excluded.

2 – New Money only. At maturity, 17-month CD renews into a standard 24-month term. Unlimited new money deposits of $2,500 or more allowed during the initial term. IRAs excluded.

3 – New Money only. At maturity, 25-month CD renews into a standard 36-month term. Unlimited new money deposits of $2,500 or more allowed during the initial term. IRAs excluded.

4 – 24 Month Term. Unlimited deposits of $50.00 or more allowed during the initial and subsequent term. Offer applicable to minors and enrolled students only.

+ Maximum new money deposit of $250,000.

^ An active Bank Five Nine consumer checking account is required to receive higher APYs for Special Relationship pricing. An active consumer checking account is defined as an account which has activity consisting of either a recurring, monthly direct deposit credit (an ACH credit) in a single amount not less than $250 or five (5) signature based debit card transactions within any 45 day period.

* Withdrawals from IRA products before age 59½ may be subject to additional taxes and penalties; consult your tax advisor regarding the tax implications. Certain retirement accounts are insured by the FDIC separately from non-retirement funds you may have on deposit with Bank Five Nine.

Interest rates are subject to change without notice.

Fees may reduce earnings. A penalty may be imposed for early withdrawal from the accounts listed unless otherwise noted. Offer valid to consumer accounts only. Bank Five Nine does not generally accept institutional or brokered deposits to any of our deposit products.