1. APY is accurate as of 11/10/2025 and is subject to change at any time before account opening. Applies to personal accounts only. APY available only for accounts opened online by individuals whose primary residence is in California or Texas. 2.Fees could reduce the earnings on the account. The minimum balance of $ 1,000.00 is required to obtain the APY. Early withdrawal penalty may apply. 3.The minimum balance of $ 0.01 is required to obtain the APY. The minimum deposit of $100 is required to open the account. Variable-rate account, rate may change after the account is opened.

• Terms and conditions apply. Offer may be modified or withdrawn at any time without notice.
• For complete terms and conditions, please visit [Regular Savings Account Agreement & Disclosures, Certificate of Deposit Account Agreement & Disclosures, Schedule of Fees, and Deposit Interest Rate Sheet].