Business Rates

Business Savings & Money Market Accounts¹

Effective 9/30/25

Account	Annual Percentage Yield (APY)	Minimum Daily Balance to Earn APY	Minimum Balance to Open	Minimum Daily Balance to Avoid Monthly Maintenance Fees
Business Primary Saving Account	0.90%	$5,000.00	$300.00	$25
Business Primary Money Market Account	0.05% 0.07%	$10 - $24,999.99 $25,000 - and above	$2,500.00	$2,500.00
Business Premier Money Market Account	0.01% 1.40%	$10 - $49,999.99 $50,000 - and above	$2,500.00	$2,500.00

Business Certificates of Deposit (CDs) ²

Effective 9/30/25

Product	Annual Percentage Yield (APY)
91-Day CD ³	3.50%
6-Month CD	3.35%
12-Month CD	2.85%
18-Month CD	2.65%
24-Month CD	2.55%
36-Month CD	2.45%
48-Month CD	2.25%
60-Month CD	2.05%

Non-Profit Savings & Money Market Accounts¹

Effective 9/30/25

Account	Annual Percentage Yield (APY)	Minimum Daily Balance to Earn APY	Minimum Balance to Open	Minimum Daily Balance to Avoid Monthly Maintenance Fees
Non-Profit Primary Savings	0.02%	$10.00	$25.00	N/A
Non-Profit Plus Savings⁵	0.05% 0.10% 0.15%	$10 - $49,999.99 $50,000 - $999,999.99 ≥ $1,000,000	$5,000.00	$5,000.00
Non-Profit Money Market Account¹	0.01% 0.03% 0.07%	$10 - $9,999.99 $10,000-$24,999.99 $25,000 - ≥ $1,000,000	$2,500.00	N/A

Non-Profit Certificates of Deposit (CDs) ^2,4

Effective 9/30/25

Product	Annual Percentage Yield (APY)
91-Day CD ³	3.55%
6-Month CD	3.40%
12-Month CD	2.90%
18-Month CD	2.70%
24-Month CD	2.60%
36-Month CD	2.50%
48-Month CD	2.30%
60-Month CD	2.10%

¹ Rates are subject to change without notice. Fees could reduce earnings on accounts.
² Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal.
³ There is one penalty-free withdrawal per term for any 91-day CD (only after the first six days of a deposits term).
⁴ Available exclusively to organizations with documented 501c status.
⁵ This account must be opened with a minimum of $5,000 in new funds not already on deposit with Fidelity Bank.