*APY=Annual Percentage Yield. APYs accurate as of 7/24/2023. Rates may change after account is opened. Minimum to open is $50 for MSB Rewards Cash. For MSB Rewards Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $20,000 receive interest at a rate of 5.13% with an APY of 5.25%; and (3) balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in range from 1.71% - 5.25% APY depending on the balance. If qualifications are not met on MSB Rewards Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle in MSB Rewards Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised MSB Rewards Cash APY is based on compounding interest. Interest earned in MSB Rewards Cash is automatically transferred to MSB Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised MSB Rewards Cash APY. The MSB Rewards Saver APYs may be less than MSB Rewards Cash APYs. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

**Minimum to open MSB Rewards Cash Back is $50. When monthly qualifications are met, you receive 4% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $8 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. MSB Rewards Cash Back rewards will be credited to your MSB Rewards Saver account on the last day of the monthly statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Additional Terms and Conditions May Apply.