¹APY=Annual Percentage Yield. Companion Savings: To be eligible for a Companion Savings account, you must have an active FirstBank personal Certificate of Deposit (CD) with a term of at least six (6) months or greater to earn an interest rate of 3.35%. Account rate(s) when all qualifications are met: Tier 1 – An interest rate of 3.35% will be paid on the entire portion of your daily balance up to, but not exceeding, $50,000.00. The APY for this tier is 3.40%. Minimum balance to earn 3.40% APY is $0.01. Tier 2 – An interest rate of 0.05% will be paid only for that portion of your daily balance that is above $50,000.00. The APY for this tier will range from 3.40% to 1.73%, depending on the balance in the account. APY range calculation based on an assumed account balance of $100,000.00. A base rate of 0.05% with 0.05% APY is applied to all balances when qualifications are not met. When you carry a balance above 50,000.00, a blended rate will be used to reflect one APY on your account statement and will be based on the number of days in your statement cycle. The blended APY decreases as your account balance increases above $50,000.00. Minimum deposit to open is $50.00. Limit two (2) Companion Savings accounts per primary social security number. To have two Companion Savings, you will need two active CDs. The Companion Savings account must have the same primary account holder as the CD. The FirstBank personal CD must be active for the Companion Savings account to receive the higher interest rate. The CD must be active prior to opening the Companion Savings and the Companion Savings must be opened on or before the 25th of each month to qualify for the higher interest rate for that statement cycle. If the Companion Savings is open after the 25th of the month and qualifications are met, then the higher interest rate will qualify on the next statement cycle. Rates as of 12/16/2025. Rates subject to change after the account is opened. Program may change at any time.