An interest bearing checking account with a great rate and no ATM fees.

• $50 Minimum Opening Deposit
• No Minimum Balance Requirement
• No Monthly Service Charge
• Variable Interest Earnings - Premium Rate
• Interest Paid Monthly
• Visa® Debit Card
• Waived Non-QCBT ATM Transactions
• Check Orders - Charges Vary by Design Selected
• Check Images Available Online
• Free Personal Online Banking and Online Bill Pay
• Free eStatements
• Free Phone Banking

¹Annual Percentage Yield. Rate may change after account opening. APY is accurate as of April 1, 2025 and is not an introductory rate. You must have an opening deposit of $50. The base rate for this account is 0.01% APY and applies to the daily balance in the account. There are no account requirements to earn this rate/APY. The premium rate of 3.92% is for daily balances up to $10,000 when account requirements are met. This premium rate is in addition to the base rate. To obtain the premium APY, you must meet the following account requirements per statement cycle: 1) A minimum of 15 Visa(R) Debit Card transactions posted per statement cycle. ATM transactions do not count towards the 15 transactions total; 2) Receive your monthly statement via eStatements with a valid email address.

If account requirements are met(B): Rates will be paid for that portion of your daily balance that is in each tier. Premium interest is paid separately from the base interest. The portion of your daily balance of $10,000 or less will earn the premium 3.99% APY plus base 0.01% APY, which is a total of 4.00% APY. Daily balances of $10,000.01 or more will earn a range of 4.00% to 0.33% APY.

If account requirements are not met(A): The account will earn 0.01% APY on the entire daily balance. In addition, if the eStatement requirement is not met, a $5 Paper Statement Fee will be assessed monthly.

Fees may reduce earnings. Accounts closed within 90 days will be charged $25.00. Limit 2 U Accounts per Social Security Number. Member FDIC.

Call us today for additional terms and rates! Additional rules and early withdrawals penalties may apply.

• $500 Minimum Deposit
• Fixed Interest

_{*Annual Percentage Yield. Annual Percentage Yield is accurate as of April 1, 2025. $500 minimum balance to open. No partial withdrawals. CD must be open minimum of seven days before closing. Early withdrawal penalties may apply. (2)6 month CD will renew into the same 6 month term. Rate for the new term will be determined at time of renewal.}

Call us today for additional terms and rates! Additional rules and early withdrawals penalties may apply.

• $500 Minimum Deposit
• Fixed Interest

_{*Annual Percentage Yield. Annual Percentage Yield is accurate as of April 1, 2025. $500 minimum balance to open. No partial withdrawals. CD must be open minimum of seven days before closing. Early withdrawal penalties may apply. (2)12-month CD will renew into the same 12-month term. Rate for the new term will be determined at time of renewal.}

• $1,000 Minimum Opening Deposit
• $1,000 Average Daily Balance Minimum Balance Requirement
• $16 Monthly Maintenance Fees (if below Minimum Balance Requirement)
• Unlimited Withdrawals On Site
• Variable Interest
• Interest Paid Monthly
• Waived Non-QCBT ATM Transactions²

_{*Annual Percentage Yield. APY is accurate as of January 1, 2025.  Rates are subject to change. Fees may reduce earnings. ²Additional non-QCBT ATM fees may apply.}