Effective October 11, 2019

Specials/Promotions**

Minimum to OpenInterest RateAPY
15 Month CD Special$1,0001.80%1.80%
23 Month CD Special$1,0001.85%1.85%
Certificates of Deposit**

Minimum to OpenInterest RateAPY
90 Day$1,0000.35%0.35%
6 Month$1,0000.40%0.40%
12 Month$1,0001.30%1.30%
18 Month$1,0001.45%1.45%
24 Month$1,0001.50%1.50%
36 Month$1,0001.45%1.45%
48 Month$1,0001.50%1.50%
60 Month$1,0001.70%1.70%
84 Month$1,0001.50%1.50%
Savings*

Minimum to OpenInterest RateAPY
True Savings$1000.15%0.15%
Junior Savings$250.15%0.15%
True Growth Money Market*
BalanceMinimum to OpenInterest RateAPY
$0.01 - $24,999.99$25,0000.05%0.05%
$25,000 - $49,999.99$25,0000.51%0.51%
$50,000 - $99,999.99$25,0000.85%0.85%
$100,000 +$25,0001.30%1.30%
True North Money Market*
BalanceMinimum to OpenInterest RateAPY
$0 - $9,999.99$10,0000.05%0.05%
$10,000 and more$10,0000.51%0.51%
True Money Market*
BalanceMinimum to OpenInterest RateAPY
$0 - $2,499.99$2,5000.05%0.05%
$2,500 and more$2,5000.15%0.15%
Checking*
BalanceMinimum to OpenInterest RateAPY
True Advantage Balance $0.01 - $2,499.99$1000.01%0.01%
True Advantage Balance $2,500 and more$1000.05%0.05%
Health Savings Account Balance $0.01 - $4,999.99$00.15%0.15%
Health Savings Account Balance $5,000 and more$00.15%0.15%
IRAs**


Minimum to OpenInterest RateAPY
IRA Certificates12 month$1,0001.30%1.30%

24 month$1,0001.50%1.50%

36 month$1,0001.45%1.45%

48 month$1,0001.50%1.50%

60 month$1,0001.70%1.70%
Money Market IRA*
$500.10%0.10%

*The interest rate and APY may change after account opening. The minimum balance required to obtain the APY is $0.01. Fees could reduce earnings.

**A penalty will be imposed for early withdrawal from a CD or IRA CD. The minimum balance required to obtain the APY is 0.01.