Rates

To qualify for Freedom Rewards Checking rates and receive reimbursements on ATM fee surcharges, the following must be performed on the Freedom Rewards Checking account during the monthly qualification cycle: (1) Have at least 15 debit card purchases post and settle; (2) Be enrolled and receive e-Statement notice (Paper Statement Fee $3.00); and (3) Be enrolled and log into online banking. If qualifications are met: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $20.00 (only fees of $4.99 or less per single transaction will be reimbursed) and credited to the account on the last day of the monthly statement cycle; (2) Freedom Rewards Checking: 2.00% APY paid on daily balances up to $10,000.00 and an interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 2.00% and 0.41% depending on the daily balance in the account; and (3) Freedom Rewards Saver: 0.50% APY paid on daily balance up to $10,000.00 and 0.25% APY paid on the portion of the daily balances above $10,000.00 results in APY for the tier with daily balances over $10,000.00 ranging from 0.50% to 0.27%, depending on the daily balance in the account. ATM transactions do not count as debit card transactions for qualification purposes. The monthly qualification cycle for the Freedom Rewards Checking begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. If the customer has a Freedom Reward Saver account: Interest and ATM fee refunds earned in Freedom Rewards Checking is automatically transferred to Freedom Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Freedom Rewards Checking APY. The Freedom Rewards Saver APYs may be less than Freedom Rewards Checking APYs. Only available as a personal account. One per primary tax ID number.

To qualify for Freedom Rewards Checking rates and receive reimbursements on ATM fee surcharges, the following must be performed on the Freedom Rewards Checking account during the monthly qualification cycle: (1) Have at least 15 debit card purchases post and settle; (2) Be enrolled and receive e-Statement notice (Paper Statement Fee $3.00); and (3) Be enrolled and log into online banking. If qualifications are met: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $20.00 (only fees of $4.99 or less per single transaction will be reimbursed) and credited to the account on the last day of the monthly statement cycle; (2) Freedom Rewards Checking: 2.00% APY paid on daily balances up to $10,000.00 and an interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 2.00% and 0.41% depending on the daily balance in the account; and (3) Freedom Rewards Saver: 0.50% APY paid on daily balance up to $10,000.00 and 0.25% APY paid on the portion of the daily balances above $10,000.00 results in APY for the tier with daily balances over $10,000.00 ranging from 0.50% to 0.27%, depending on the daily balance in the account. ATM transactions do not count as debit card transactions for qualification purposes. The monthly qualification cycle for the Freedom Rewards Checking begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. If the customer has a Freedom Reward Saver account: Interest and ATM fee refunds earned in Freedom Rewards Checking is automatically transferred to Freedom Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Freedom Rewards Checking APY. The Freedom Rewards Saver APYs may be less than Freedom Rewards Checking APYs. Only available as a personal account. One per primary tax ID number.

Certificate of Deposit rates are fixed for the entire term; however, all other rates may change after the account is opened. Fees may reduce earning on the account. Certificates of Deposits: penalty may be imposed for early withdrawal.

*17 Month requirements to qualify to open the account are:

• Have an established checking account with direct deposit of your payroll or retirement benefits.
• Have an established checking account that receives your payroll check via over-the-counter transaction or mobile deposit.
• Open a checking account and establish direct deposit of your payroll or retirement benefits.

Please contact our customer service center at 800-590-9920 for a branch location nearest you. Visit us on the web at www.ccf.us.

To qualify for Freedom Rewards Checking rates and receive reimbursements on ATM fee surcharges, the following must be performed on the Freedom Rewards Checking account during the monthly qualification cycle: (1) Have at least 15 debit card purchases post and settle; (2) Be enrolled and receive e-Statement notice (Paper Statement Fee $3.00); and (3) Be enrolled and log into online banking. If qualifications are met: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $20.00 (only fees of $4.99 or less per single transaction will be reimbursed) and credited to the account on the last day of the monthly statement cycle; (2) Freedom Rewards Checking: 2.00% APY paid on daily balances up to $10,000.00 and an interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 2.00% and 0.41% depending on the daily balance in the account; and (3) Freedom Rewards Saver: 0.50% APY paid on daily balance up to $10,000.00 and 0.25% APY paid on the portion of the daily balances above $10,000.00 results in APY for the tier with daily balances over $10,000.00 ranging from 0.50% to 0.27%, depending on the daily balance in the account. ATM transactions do not count as debit card transactions for qualification purposes. The monthly qualification cycle for the Freedom Rewards Checking begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. If the customer has a Freedom Reward Saver account: Interest and ATM fee refunds earned in Freedom Rewards Checking is automatically transferred to Freedom Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Freedom Rewards Checking APY. The Freedom Rewards Saver APYs may be less than Freedom Rewards Checking APYs. Only available as a personal account. One per primary tax ID number.

To qualify for Freedom Rewards Checking rates and receive reimbursements on ATM fee surcharges, the following must be performed on the Freedom Rewards Checking account during the monthly qualification cycle: (1) Have at least 15 debit card purchases post and settle; (2) Be enrolled and receive e-Statement notice (Paper Statement Fee $3.00); and (3) Be enrolled and log into online banking. If qualifications are met: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $20.00 (only fees of $4.99 or less per single transaction will be reimbursed) and credited to the account on the last day of the monthly statement cycle; (2) Freedom Rewards Checking: 2.00% APY paid on daily balances up to $10,000.00 and an interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 2.00% and 0.41% depending on the daily balance in the account; and (3) Freedom Rewards Saver: 0.50% APY paid on daily balance up to $10,000.00 and 0.25% APY paid on the portion of the daily balances above $10,000.00 results in APY for the tier with daily balances over $10,000.00 ranging from 0.50% to 0.27%, depending on the daily balance in the account. ATM transactions do not count as debit card transactions for qualification purposes. The monthly qualification cycle for the Freedom Rewards Checking begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. If the customer has a Freedom Reward Saver account: Interest and ATM fee refunds earned in Freedom Rewards Checking is automatically transferred to Freedom Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Freedom Rewards Checking APY. The Freedom Rewards Saver APYs may be less than Freedom Rewards Checking APYs. Only available as a personal account. One per primary tax ID number.

Certificate of Deposit rates are fixed for the entire term; however, all other rates may change after the account is opened. Fees may reduce earning on the account. Certificates of Deposits: penalty may be imposed for early withdrawal.

*17 Month requirements to qualify to open the account are:

• Have an established checking account with direct deposit of your payroll or retirement benefits.
• Have an established checking account that receives your payroll check via over-the-counter transaction or mobile deposit.
• Open a checking account and establish direct deposit of your payroll or retirement benefits.

Please contact our customer service center at 800-590-9920 for a branch location nearest you. Visit us on the web at www.ccf.us.

To qualify for Freedom Rewards Checking rates and receive reimbursements on ATM fee surcharges, the following must be performed on the Freedom Rewards Checking account during the monthly qualification cycle: (1) Have at least 15 debit card purchases post and settle; (2) Be enrolled and receive e-Statement notice (Paper Statement Fee $3.00); and (3) Be enrolled and log into online banking. If qualifications are met: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $20.00 (only fees of $4.99 or less per single transaction will be reimbursed) and credited to the account on the last day of the monthly statement cycle; (2) Freedom Rewards Checking: 2.70% APY paid on daily balances up to $10,000.00 and an interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 2.70% and 0.47% depending on the daily balance in the account; and (3) Freedom Rewards Saver: 0.50% APY paid on daily balance up to $10,000.00 and 0.25% APY paid on the portion of the daily balances above $10,000.00 results in APY for the tier with daily balances over $10,000.00 ranging from 0.50% to 0.27%, depending on the daily balance in the account. ATM transactions do not count as debit card transactions for qualification purposes. The monthly qualification cycle for the Freedom Rewards Checking begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. If the customer has a Freedom Reward Saver account: Interest and ATM fee refunds earned in Freedom Rewards Checking is automatically transferred to Freedom Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Freedom Rewards Checking APY. The Freedom Rewards Saver APYs may be less than Freedom Rewards Checking APYs. Only available as a personal account. One per primary tax ID number.

To qualify for Freedom Rewards Checking rates and receive reimbursements on ATM fee surcharges, the following must be performed on the Freedom Rewards Checking account during the monthly qualification cycle: (1) Have at least 15 debit card purchases post and settle; (2) Be enrolled and receive e-Statement notice (Paper Statement Fee $3.00); and (3) Be enrolled and log into online banking. If qualifications are met: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $20.00 (only fees of $4.99 or less per single transaction will be reimbursed) and credited to the account on the last day of the monthly statement cycle; (2) Freedom Rewards Checking: 2.00% APY paid on daily balances up to $10,000.00 and an interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 2.00% and 0.41% depending on the daily balance in the account; and (3) Freedom Rewards Saver: 0.50% APY paid on daily balance up to $10,000.00 and 0.25% APY paid on the portion of the daily balances above $10,000.00 results in APY for the tier with daily balances over $10,000.00 ranging from 0.50% to 0.27%, depending on the daily balance in the account. ATM transactions do not count as debit card transactions for qualification purposes. The monthly qualification cycle for the Freedom Rewards Checking begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. If the customer has a Freedom Reward Saver account: Interest and ATM fee refunds earned in Freedom Rewards Checking is automatically transferred to Freedom Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Freedom Rewards Checking APY. The Freedom Rewards Saver APYs may be less than Freedom Rewards Checking APYs. Only available as a personal account. One per primary tax ID number.

Certificate of Deposit rates are fixed for the entire term; however, all other rates may change after the account is opened. Fees may reduce earning on the account. Certificates of Deposits: penalty may be imposed for early withdrawal.

*17 Month requirements to qualify to open the account are:

• Have an established checking account with direct deposit of your payroll or retirement benefits.
• Have an established checking account that receives your payroll check via over-the-counter transaction or mobile deposit.
• Open a checking account and establish direct deposit of your payroll or retirement benefits.

Please contact our customer service center at 800-590-9920 for a branch location nearest you. Visit us on the web at www.ccf.us.