ZYDECASH Checking

¹Minimum to open account is $25 for ZydeCash^SM Checking and $25 for ZydeCash^SM Savings. Annual Percentage Yield (APY) accurate as of 07/07/2026. ZydeCash Checking rate tiers are as follows:

2.50% APY applies to balances of $0.01-$10,000 and 0.15% APY applies to balances over $10,000 if qualifications are met during monthly qualification cycle. A 0.05% APY applies to all balances if qualifications are not met. Average Daily Balance used to calculate interest on account. The advertised ZydeCash Checking APY is based on compounding interest. The interest earned in ZydeCash Checking is credited to the ZydeCash Checking each statement cycle. The actual interest paid may be less than the advertised APY. The ZydeCash Savings APYs may be less than the ZydeCash Checking APYs. ZydeCash Savings rate tiers are as follows: 0.50% APY applies to balances of $0.01-$30,000 and 0.15% APY applies to balances over $30,000 if qualifications are met during monthly qualification cycle on ZydeCash Checking. A 0.05% APY applies to all balances if qualifications are not met on ZydeCash Checking. Qualifying purchases must post and settle in ZydeCash Checking during monthly qualification cycle. Purchases may take one or more banking days from purchase transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. ATM-processed transactions do not count as debit card purchase transactions. Rates are subject to change without notice after account is opened. Fees may reduce earnings. ATM fees for our ZydeCash Checking accounts will be refunded up to $25 per qualification cycle provided all qualifications are met within the monthly qualification cycle. Limited to one account per social security number. ZydeCashSM is a Service Mark of JD Bancshares. Member FDIC.

To earn the high interest rate, you must meet the following monthly transaction targets: 10 monthly debit card purchases withdrawn from ZydeCash Checking account; at least one direct deposit or automatic payment; E-statements online; personal online banking or mobile banking access.

²Carrier charges may apply.

³Refunds on ATM fees charged by banks nationwide per qualification cycle provided ALL qualifications are met within the monthly qualification cycle.

⁴Savings Overdraft Privilege available. Line of Credit available with credit approval. Overdraft and returned item fees may apply.

⁵Excludes cash secured loans and interim construction loans