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*APY=Annual Percentage Yield. FirstUp Savings: To be eligible for a FirstUp Savings account you must have a FirstBank personal checking and/or a FirstBank personal money market account. A recurring monthly transfer totaling $50.00 or more must come from your FirstBank personal checking or FirstBank personal money market account. To qualify for the higher interest rates: A recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market must post and settle by the last business day of the month to qualify for the higher interest rate for that month. If a recurring transfer is scheduled on a weekend or holiday, it will post the prior business day and count toward that month—even if the intended transfer date is the 1st of the following month—potentially affecting qualification for the higher rate. Automatic transfer(s) must be set up through FirstBank Online or Mobile Banking or through an associate at a FirstBank branch. Rate Information: A base rate of 0.05% with 0.05% APY is applied to all balances when qualifications are not met. The following FirstUp Savings interest rates are earned if all qualification requirements are met: Tier 1 – An interest rate of 3.75% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. The APY for this tier is 3.82%. Tier 2 – An interest rate of 0.05% will be paid only for that portion of your daily balance that is above $25,000.00. The APY for this tier will range from 3.82% to 0.99%, depending on the balance in the account. The interest rate(s) and APY(s) are accurate as of 5.16.25. Rates are subject to change after the account is opened. Fees or other conditions may reduce earnings.