Deposit Rates

Certificate of Deposits

Comparison table of Certificate of Deposits
Term	Min. Opening Deposit	Interest Rate	APY^*
7 Month Special²	$5,000.00	3.960%	4.000%
13 Month Special³	$5,000.00	3.960%	4.000%
23 Month Special⁴	$5,000.00	3.720%	3.750%
35 Month Special⁵	$5,000.00	3.670%	3.700%
6 Month¹	$1,000.00	3.000%	3.020%
12 Month	$1,000.00	3.000%	3.020%
18 Month	$1,000.00	2.760%	2.780%
24 Month	$1,000.00	2.760%	2.780%
36 Month	$1,000.00	2.760%	2.780%
48 Month	$1,000.00	2.760%	2.780%
60 Month	$1,000.00	2.760%	2.780%

*APY = Annual Percentage Yield. $1,000 minimum balance to open account and no minimum balance to earn APY. Certificate of Deposit accounts are term investments. A penalty may be imposed for early withdrawal. The rates shown above are valid as of today’s date and are subject to change at any time.

¹No compounding during term. Interest credited at maturity.

CD Specials require $5,000 minimum to open, as well as an active Bank First checking account with direct deposit.

²Interest is paid at 7 months and then semi-annually for the remaining term, renews into a 6 month CD.

³Interest is paid at 7 months and then semi-annually for the remaining term, renews into a 12 month CD.

⁴Interest is paid at 11 months and then semi-annually for the remaining term, renews into a 24 month CD.

⁵Interest is paid at 11 months and then semi-annually for the remaining term, renews into a 36 month CD.

Interest Checking

Comparison table of Interest Checking
Product	Min. Opening Deposit	Interest Rate	APY^*
First Rate $2,499.99 & Under	$0.00	0.100%	0.100%
First Rate $2,500.00 to $9,999.99	$0.00	0.150%	0.150%
First Rate $10,000.00 to $24,999.99	$0.00	0.150%	0.150%
First Rate $25,000.00 & Over	$0.00	0.200%	0.200%
Military First $2,499.99 & Under	$0.00	0.150%	0.150%
Military First $2,500.00 to $9,999.99	$0.00	0.200%	0.200%
Military First $10,000.00 to $24,999.99	$0.00	0.250%	0.250%
Military First $25,000.00 & Over	$0.00	0.250%	0.250%
Money Market $2,499.99 & Under	$0.00	0.050%	0.050%
Money Market $2,500.00 to $9,999.99	$0.00	0.050%	0.050%
Money Market $10,000.00 to $24,999.99	$0.00	0.100%	0.100%
Money Market $25,000.00 & Over	$0.00	0.150%	0.150%
Money Market Elite¹ $9,999.99 & Under	$0.00	0.000%	0.000%
Money Market Elite¹ $10,000.00 to $49,999.99	$0.00	1.250%	1.260%
Money Market Elite¹ $50,000.00 to $99,999.99	$0.00	1.750%	1.760%
Money Market Elite¹ $100,000.00 & Over	$0.00	2.000%	2.020%
Business Money Market² $2,499.99 & Under	$0.00	0.050%	0.050%
Business Money Market² $2,500.00 to $9,999.99	$0.00	0.050%	0.050%
Business Money Market² $10,000.00 to $24,999.99	$0.00	0.100%	0.100%
Business Money Market² $25,000.00 & Over	$0.00	0.150%	0.150%
Business Money Market Elite² $9,999.99 & Under	$0.00	0.100%	0.100%
Business Money Market Elite² $10,000.00 to $49,999.99	$0.00	0.500%	0.500%
Business Money Market Elite² $50,000.00 to $99,999.99	$0.00	1.000%	1.000%
Business Money Market Elite² $100,000.00 & Over	$0.00	1.250%	1.260%
Health Savings Account $2,499.99 & Under	$0.00	0.150%	0.150%
Health Savings Account $2,500.00 to $9,999.99	$0.00	0.250%	0.250%
Health Savings Account $10,000.00 to $24,999.99	$0.00	0.300%	0.300%
Health Savings Account $25,000.00 & Over	$0.00	0.500%	0.500%

*APY = Annual Percentage Yield. Interest Checking and Savings are variable rates are valid as of today’s date and are subject to change at any time. Fees could reduce earnings on the account.

¹Ten (10) debit transactions (withdrawal or transfer) allowed per statement cycle. Customers who exceed the limit of ten (10) in a statement cycle will receive a transaction fee of $5.00 per transfer or withdrawal transaction in excess of ten (10), in addition to any other applicable transaction fees.

²Up to 25 debit and/or credit transaction items are permitted per statement cycle. Items include but are not limited to: checks, electronic (ACH) debits and credits, debit memos, deposit tickets, and deposited items. Transaction items in excess of 25 will be assessed a fee of $0.25 per transaction on the last business day of the month.

Savings

Comparison table of Savings
Product	Min. Opening Deposit	Interest Rate	APY^*
First Savings $2,499.99 & Under	$0.00	0.100%	0.100%
First Savings $2,500.00 to $9,999.99	$0.00	0.150%	0.150%
First Savings $10,000.00 to $24,999.99	$0.00	0.150%	0.150%
First Savings $25,000.00 & Over	$0.00	0.250%	0.250%
First Savings Business $2,499.99 & Under	$0.00	0.100%	0.100%
First Savings Business $2,500.00 to $9,999.99	$0.00	0.100%	0.100%
First Savings Business $10,000.00 to $24,999.99	$0.00	0.150%	0.150%
First Savings Business $25,000.00 & Over	$0.00	0.200%	0.200%
Kids Club $2,499.99 & Under	$0.00	0.250%	0.250%
Kids Club $2,500.00 to $9,999.99	$0.00	0.250%	0.250%
Kids Club $10,000.00 to $24,999.99	$0.00	0.300%	0.300%
Kids Club $25,000.00 & Over	$0.00	0.300%	0.300%
Holiday Savings $2,499.99 & Under	$0.00	0.050%	0.050%
Holiday Savings $2,500.00 to $9,999.99	$0.00	0.050%	0.050%
Holiday Savings $10,000.00 to $24,999.99	$0.00	0.100%	0.100%
Holiday Savings $25,000.00 & Over	$0.00	0.200%	0.200%
IRA Savings $2,499.99 & Under	$0.00	0.100%	0.100%
IRA Savings $2,500.00 to $9,999.99	$0.00	0.200%	0.200%
IRA Savings $10,000.00 to $24,999.99	$0.00	0.250%	0.250%
IRA Savings $25,000.00 to $99,999.99	$0.00	0.400%	0.400%
IRA Savings $100,000.00 & Over	$0.00	0.400%	0.400%
Savings Elite¹ $2,499.99 & Under	$0.00	0.000%	0.000%
Savings Elite¹ $2,500.00 to $9,999.99	$0.00	0.500%	0.500%
Savings Elite¹ $10,000.00 to $24,999.99	$0.00	1.000%	1.000%
Savings Elite¹ $25,000.00 to $99,999.99	$0.00	1.500%	1.510%
Savings Elite¹ $100,000.00 & Over	$0.00	1.750%	1.760%
Investment Savings² $49,999.99 & Under	$50,000.00	0.000%	0.000%
Investment Savings² $50,000.00 – $149,999.99	$50,000.00	2.750%	2.780%
Investment Savings² $150,000.00 – $249,999.99	$50,000.00	3.050%	3.090%
Investment Savings² $250,000.00 and over	$50,000.00	3.550%	3.600%