American Metro Bank Rates

Online Banking

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Checking Accounts

Checking Accounts

Deposit Account Rates

Effective Date: 12/16/2024

Checking Accounts
	MINIMUM OPENING DEPOSIT	MINIMUM BALANCE TO OBTAIN APY	INTEREST RATE¹	ANNUAL PERCENTAGE YIELD²
Senior Checking	$100.00		0.10%	0.10%
NOW Checking	$300.00		0.10%	0.10%
Not-for-Profit Checking	$1,000.00		0.10%	0.10%
Personal/Business Money Market	$2,000.00	$0.01 - $24,999.99	0.20%	0.20%
		$25,000.00 and up	0.25%	0.25%
SPECIAL
Harvest Money Market³	$10,000.00		1.20%	1.20%
Harvest 91 Day CD⁴	$10,000.00		3.94%	4.00%
Harvest 13 Month CD⁴	$10,000.00		3.75%	3.75%

Savings Accounts
Personal Savings	$250.00		0.15%	0.15%
Business Savings	$1,000.00		0.15%	0.15%

Certificates of Deposit⁴
3 Month Certificate	$1,000.00		2.97%	3.00%
3 Month Certificate	$100,000.00		3.015%	3.05%
6 Month Certificate	$1,000.00		1.79%	1.80%
6 Month Certificate	$100,000.00		1.84%	1.85%
12 Month Certificate	$1,000.00		2.20%	2.20%
12 Month Certificate	$100,000.00		2.25%	2.25%
18 Month Certificate	$1,000.00		2.20%	2.20%
18 Month Certificate	$100,000.00		2.25%	2.25%
24 Month Certificate	$1,000.00		2.20%	2.20%
24 Month Certificate	$100,000.00		2.25%	2.25%
36 Month Certificate	$1,000.00		2.20%	2.20%
36 Month Certificate	$100,000.00		2.25%	2.25%
60 Month Certificate	$1,000.00		2.20%	2.20%
60 Month Certificate	$100,000.00		2.25%	2.25%

¹Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12/16/2024 and are subject to change as often as daily without notice. Rates on CDs are fixed for the term of the certificate.

²The APY assumes that principal and interest will remain on deposit. Fees may reduce earnings.

³Annual Percentage Yield is effective 12/16/2024. Interest rates are subject to change at the Bank's discretion as

often as daily without notice. Fees may reduce earnings. If you close your account before interest is credited, you will

not receive the accrued interest. Interest begins to accrue no later than the business day we receive credit for the

deposit of noncash items (i.e. checks). We use the daily balance method to calculate the interest on your account.

This method applies a daily periodic rate to the principal in the account each day. NEW MONEY ONLY

⁴Annual Percentage Yield is effective 12/16/2024. Minimum Opening Deposit $10,000.00. A substantial penalty will^{be imposed for early withdrawal. The Harvest 91 Day CD will automatically renew at a Regular 90 Day CD and rate} ^{at that time. The Harvest 13 Month CD will automatically renew at a Regular 12 Month CD and rate at that time.}

NEW MONEY ONLY

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