NOW Checking
Amount Rate APY*
$500 to open 0.150% 0.150%

High Yield Passbook Savings
Amount Rate APY*
$10,000 and above ($10,000 to open) 0.250% 0.250%
Below $10,000 0.050% 0.050%

Insured Money Market
Amount Rate APY*
$500 to open 0.050% 0.050%

Personal Statement/Passbook Savings
Amount Rate APY*
$100 to open 0.050% 0.050%

Super Saver Money Market
Amount Rate APY*
$2,000 to open 0.100% 0.100%

High Yield Money Market (HYMMA) Personal
Amount ($15,000 to open) Rate APY*
$0-$4,999.99 0.250% 0.250%
$5,000-$9,999.99 0.250% 0.250%
$10,000-$49,999.99 0.598% 0.600%
$50,000-$99,999.99 0.797% 0.800%
$100,000 and above 0.797% 0.800%

Smart Money Market (SMMA) Personal
Amount ($15,000 to open) Rate APY*
$0-$9,999.99 0.250% 0.250%
$10,000-$49,999.99 0.598% 0.600%
$50,000-$99,999.99 0.797% 0.800%
$100,000 and above 1.075% 1.080%

Certificates of Deposit**
Term Amount Rate APY*
1 month $0 & up
0.100% 0.100%
3 month $0 & up
0.100% 0.100%
6 month $0 & up 0.349% 0.350%
8 month $0 & up
0.598% 0.600%
9 month $0 & up
0.598% 0.600%
1 year $0 & up 0.995% 1.000%
13 month $0 & up 1.094% 1.100%
15 month $0 & up
1.637% 1.650%
17 month $0 & up
0.995% 1.000%
18 month $0 & up
1.094%
1.100%
19 month $0 & up
1.094%
1.100%
26 month $0 & up
1.193% 1.200%
28 month $0 & up
1.538% 1.550%
5 year $0 & up
1.686% 1.700%

Option Certificates of Deposit***
Term Amount Rate APY*
2 Year $0 & up 2.157% 2.180%
3 Year $0 & up 2.323% 2.350%
4 Year $0 & up 2.421% 2.450%

Option Investment Retirement Account***
Term Amount Rate APY*
2 Year $0 & up 2.157% 2.180%
3 Year $0 & up 2.323% 2.350%
4 Year $0 & up 2.421% 2.450%


*Annual Percentage Yield (APY) is accurate as of April 4, 2018 and is subject to change without notice. Fees may reduce earnings. All Certificates of Deposit have no minimum opening balance required.

**Early withdrawals are subject to penalty/charges on interest which will reduce earnings.

***The Option Rate Certificate of Deposit (CD) allows for a one-time Annual Percentage Yield (APY) adjustment during initial term. CD customer has option to adjust if FAIB published APY for same term CDs increases to higher rate; to obtain a higher APY, CD customer must do at least one of the following: (1) keep current terms OR (2) add funds and extend maturity period; all APY adjustments must be made in person at FAIB branch before maturity date. After customer has used one-time APY adjustment, the Options Rate CD is then converted back to a standard same-term CD with no additional APY adjustments available before maturity. Early withdrawals subject to penalty/charges on interest and principal. APYs as of 03/09/2018. Minimum opening balance: $500. Offer may be withdrawn without prior notice. New money required. 



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