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Checking and Savings Accounts

This Rate Chart contains information about interest rates and annual percentage yields (APY's) for our Now Checking, Money Market Investing Checking, Personal Savings, and Combined Statement Savings accounts. The interest rate and APY for any account listed below may change after the account is opened. All interest bearing accounts are subject to interest rate changes at any time and at the discretion of M&S Bank. Fees could reduce the earnings on any account listed below. Interest rates and APYs effective are the current rates for the listed accounts. Checking/Savings Accounts Minimum Opening Balance Minimum Average Daily Collected Balance to earn APY All balances Interest Rate Annual Percentage Yield (APY) Personal NOW Checking $1,000.00 $1,000.00 0.05% 0.05% Business NOW Checking $1,000.00 Up to $2,499.99 $2,500.00 to $7,499.99 $7,500.00 and over 0.00% 0.05% 0.05% 0.00% 0.05% 0.05% Personal Savings $100.00 All Balances 0.10% 0.10% Money Market Tiered Rates Balance Range of Tier Tier Rate $0 - $2,499.99 0.25% $2,500 - $9,999.99 0.50% $10,000 - $19,999.99 1.00% $20,000 - $29,999.99 1.25% $30,000 - $49,999.99 1.50% $50,000 - $99,999,999.99 2.00% Personal and Business Money Market Accounts-Minimum opening deposit is $2,500.00. Interest rates apply to those portions of the average daily collected balance within each tier. This results in a blended APY based on the range of tiers containing a balance. Currently, tier rates are set at the bank's discretion.

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