APY is Annual Percentage Yield. Rates and yields are accurate as of the date above and are subject to change without notice. Fees may reduce earnings on some accounts.

*The APY on savings account balances of $10,000.01 and above will earn the current Regular Share APY. Rates may change after account is opened. Requirements to earn premium APY include 12 debit card transactions (excluding ATM transactions) or direct deposit of at least $250 each month (excludes transfers to/from Family First shares or loans), and enrollment in eStatements with a valid email address. If the requirements are not met, the rate will be 0.00% (APY) on entire balance for the month. Requirements are calculated for each calendar month. The maximum number of Pinnacle Checking account per member at any one time is 5.

**Debit Rewards Checking: Account requirements include 12 debit card transactions (excluding ATM transactions), a minimum deposit of at least $250 each month (excludes transfers to/from Family First shares or loans), and enrollment in e-statements with a valid email address. Requirements are calculated for each calendar month. The maximum number of Debit Rewards accounts per social security number/membership at any one time is 1 beginning January 1, 2023. Fees may reduce earnings. $0 minimum to open account. Earn 1.00% cash back on point-of-sale debit card purchases each month. To earn cash back, requirements of Debit Rewards Checking must be met. If the requirements are not met, no cash back will be earned. Cash back payments will be credited to your Companion Savings account by the 5th business day following the current statement cycle. 

***Business Bonus Checking is only available for Business Accounts. Required checking balance to earn APY: Tier 1 – $1,500-$49,999 // Tier 2 – $50,000-$99,999 // Tier 3 – $100,000+. If the required minimum balance of $1,500 is not met, the rate will be 0.00% (APY).

****First Checking Plus is no longer available. Members who had a First Checking Plus before it was discontinued are grandfathered into receiving these rates.

Rates are valid as of 05/16/2026.