*APY= Annual percentage yield. Hi–Lo Checking can earn a max of 10.47% APY* on balances up to $1,500.00 when monthly qualification requirements are met. Additional Balances over $1,500.00 earn 0.00% APY. To earn the stated APY, you must meet monthly requirements of 12 debit card purchases, one direct deposit, and enroll in and receive e-statements. If qualifications are not met, the entire balance earns 0.00% APY. Rates effective: August 10, 2026