_{¹U Account Annual Percentage Yield (APY): APY is accurate as of December 15, 2025, and is not an introductory rate. Rates may change after account opening. You must have a minimum 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 3.49% 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:}

• _{A minimum of 15 Visa® Debit Card transactions posted per statement cycle;}
• _{Receive your monthly statement via eStatements with a valid email address.}

_{Qualifying Visa® debit card transactions are defined as point-of-sale transactions made with your Quad City Bank & Trust Visa® debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM transactions do not count towards this total. Debit card transactions authorized but not yet posted do not count toward the debit card requirement. Transactions must have posted and settled to the account by the last business day of the statement cycle.}

_{If account requirements are met: 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 3.49% APY plus base 0.01% APY, which is a total of 3.50% APY. Daily balances of $10,000.01 or more will earn a range of 3.50% to 0.29% APY.}

_{If account requirements are not met: 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. Valid email address is required for eStatements.}

_{Non-QCBT ATM Fee Refunds: ATM fees will be refunded up to a maximum of $30 per statement cycle. QCBT also provides a network of surcharge free ATMs to our clients through the Privileged Status Network. We encourage you to use these surcharge free ATMs or a QCBT ATM whenever possible to avoid ATM fees.}

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

⁽¹⁾ Additional non-QCBT ATM fees may apply.

_⁽¹⁾ Annual Percentage Yield. APY is accurate as of March 21, 2025. Rates are subject to change. Fees may reduce earning. ⁽²⁾ Subject to credit approval. ⁽³⁾ Additional non-QCBT ATM fees may apply.

⁽¹⁾ Annual Percentage Yield. APY is accurate as of January 1, 2025. Rates are subject to change. Fees may reduce earnings. ⁽²⁾ Service fee is waived for persons 55 years of age or older. ⁽³⁾ Additional non-QCBT ATM fees may apply. ⁽⁴⁾ Subject to credit approval.

⁽¹⁾ Consumers with a previously reported negative bank history are eligible to upgrade to a different product type after 12 months in good standing.⁽²⁾ This account is not eligible for our Overdraft Protection services. Account allows spending of funds available in the account. A transaction may get declined or returned if there is not enough money in the account to cover the item. There may be situations where the account may be overdrawn causing a negative balance, but an overdraft fee will not be assessed. Account holders are expected to remedy the overdrawn balance as soon as they are aware. Multiple instances of the account being overdrawn may result in the account being closed for misuse.

⁽¹⁾ Cash rewards will be reported to the IRS as applicable. Deposit will not be immediate. Deposit will be made into the account at the end of the month in which we receive your voucher or milestone proof. Must present proof within 45 days of occurring. 

⁽¹⁾ Annual Percentage Yield. APY is accurate as of October 3, 2022. Rates are subject to change. Fees may reduce earnings. ⁽²⁾ Monthly Service Charge waived for individuals 21 years old or younger; or 55 years old and over.

⁽¹⁾Annual Percentage Yield. APY is accurate as of March 2, 2026. Rates are subject to change. Fees may reduce earnings. ⁽²⁾ Additional non-QCBT ATM fees may apply.

⁽¹⁾ Annual percentage yield. Rate may change after account opening. APY is accurate as of August 1, 2025 and is not an introductory rate. Rates subject to change. ⁽²⁾ For minor accounts, a parent or legal guardian must enroll in online banking and establish electronic statement delivery. 

_{⁽¹⁾ Annual Percentage Yield. Annual Percentage Yield is accurate as of February 23, 2026. $500 minimum balance to open. No partial withdrawals. CD must be open minimum of seven days before closing. $500 minimum balance requires to earn the stated APY. 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.}

_{Other CD terms available, call us today at 563.388.QCBT to inquire}

_{⁽¹⁾ Annual Percentage Yield. Annual Percentage Yield is accurate as of February 23, 2026. $500 minimum balance to open. No partial withdrawals. CD must be open minimum of seven days before closing. $500 minimum balance required to earn the stated APY. 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.}

_{Other CD terms available, call us today at 563.388.QCBT to inquire}