Personal Banking Rates

Account Type	APY*	Minimum Deposit to Open	Minimum Balance to Obtain APY
Youth Savings Apply Now for a Youth Savings Account	1.00%	$10	$1
Pinnacle Savings Apply Now for a Pinnacle Savings Account	0.50%	$25	$1
Horizon eChecking Apply Now for a Horizon eChecking Account	N/A	$25	N/A
Pinnacle Checking Apply Now for a Pinnacle Checking Account	N/A	$25	N/A
VISTA Premier Checking Apply Now for a VISTA Premier Checking Account	0.05%	$50	$1
Pinnacle Money Market Apply Now for a Pinnacle Money Market Account	APY*	Minimum Deposit to Open	Minimum Balance to Obtain APY
Tier 1	0.45%	$50	$1
Tier 2	0.55%	$50	$5000
Tier 3	0.65%	$50	$25,000
Tier 4	0.95%	$50	$50,000
Tier 5	1.15%	$50	$100,000
Tier 6	1.15%	$50	$250,000
VISTA Personal Money Market Apply Now for a VISTA Personal Money Market Account	APY*	Minimum Deposit to Open	Minimum Balance to Obtain APY
Tier 1	0.50%	$50	$1
Tier 2	0.60%	$50	$5000
Tier 3	0.70%	$50	$25,000
Tier 4	1.00%	$50	$50,000
Tier 5	1.25%	$50	$100,000
Tier 6	1.25%	$50	$250,000

Effective Date: January 21, 2026

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Fee Schedule

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*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits.