Client Services

CD and IRA Rates

CD Specials

Term/Program	Minimum to Open	Interest Rate	APY*
3 Month CD ^1,2	$500	3.80%	3.87%
6 month CD ¹	$500	4.00%	4.07%
9 Month CD ³	$500	3.90%	3.97%

*Annual Percentage Yield (APY) effective March 1, 2026 and subject to change. Rates on term accounts are guaranteed for the length of the term. Except where noted, interest is paid and compounded monthly. Fees could reduce the earnings on these accounts. A penalty for early withdrawal may apply. 1. The funds deposited must be new money to the Bank. New Money is defined as deposits not previously held by Mutual One Bank. 2. Interest is paid at maturity. 3. Statement Only.

CDs and IRAs

Term/Program	Minimum to Open	Interest Rate	APY**
28 Day CD (Paid at Maturity)	$5,000	0.45%	0.45%
7 month CD	$500	0.45%	0.45%
9 month Advantage CD	$5,000	0.40%	0.40%
12 month CD	$500	0.45%	0.45%
13 month CD¹	$500	2.00%	2.02%
18 month CD	$500	1.74%	1.75%
24 month CD	$500	1.30%	1.31%
30 month CD	$500	0.50%	0.50%
36 month CD	$500	0.55%	0.55%
48 month CD	$500	0.55%	0.55%
60 month CD	$500	0.55%	0.55%
61 month CD²	$5,000	0.55%	0.55%

**Annual Percentage Yield (APY) effective March 1, 2026 and subject to change. Rates on term accounts are guaranteed for the length of the term. Except where noted, interest is paid and compounded monthly. Fees could reduce the earnings on these accounts. A penalty for early withdrawal may apply. IRA, Trust, and Business accounts must be opened at one of our branches. 1. Statement Only. 2. Maximum opening deposit $1,000,000. Statement only.

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