Deposit Rate Schedule | Allegacy Financial

AllHealth Wellness Savings

Min Deposit	Balance Tier	Rate	APY
$5	All balances	0.10%	0.10%
Compounding period: monthly Compounding method: daily balance *APY = Annual Percentage Yield. Rates are variable and subject to change. All balances earn 0.10% APY. Dividends are earned at different rates based on the number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility. Qualifying fitness facilities are defined as: (1) YMCA of Northwest North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household. All requirements must be met to earn highest dividends. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers.

Min Deposit

Balance Tier

Rate

APY

$5

All balances

0.10%

Compounding period: monthly

Compounding method: daily balance

*APY = Annual Percentage Yield. Rates are variable and subject to change. All balances earn 0.10% APY. Dividends are earned at different rates based on the

number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility. Qualifying fitness facilities are defined as: (1) YMCA of Northwest North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household.

All requirements must be met to earn highest dividends. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers.

AllHealth Wellness Monthly YMCA Visit Tiers

Level	Monthly Visits	Visit Rate	Visit APY	Total Rate	Total APY
Level 0	0–3	0.00%	0.00%	0.10%	0.10%
Level 1	4–7	0.65%	0.65%	0.75%	0.75%
Level 2	8–11	0.75%	0.75%	0.85%	0.85%
Level 3	12+	0.95%	0.95%	1.05%	1.05%
*APY = Annual Percentage Yield. Rates are variable and subject to change. All balances earn 0.10% APY. Dividends are earned at different rates based on the number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility. Qualifying fitness facilities are defined as: (1) YMCA of Northwest North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household. All requirements must be met to earn highest dividends. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers.

Beginners Best Kids Savings

Min Deposit	Balance Tier	Rate	APY
$5	$0 – $2,500.00	0.30%	0.30%
	$2,500.01 – $4,999.99	0.30%	0.30%
	$5,000.00 – $9,999.99	0.30%	0.30%
	$10,000.00 – $24,999.99	0.30%	0.30%
	$25,000.00+	0.30%	0.30%
Compounding period: daily Compounding method: daily balance *APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. Balance requirements for APY tiers are outlined in the rate table. A $5 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details.

Daily Access Savings / Secured Savings

Min Deposit	Balance Tier	Rate	APY
$5	$0 – $2,500.00	0.10%	0.10%
	$2,500.01 – $4,999.99	0.10%	0.10%
	$5,000.00 – $9,999.99	0.10%	0.10%
	$10,000.00 – $24,999.99	0.10%	0.10%
	$25,000.00+	0.10%	0.10%
Compounding period: daily Compounding method: daily balance *APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. 0.30% APY applies to all balance tiers; specific balance requirements are outlined in the rate table. A $5 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details.

Certificate Rollover Savings

Min Deposit	Balance Tier	Rate	APY
$5	$2,500.00 – $9,999.99	0.05%	0.05%
	$10,000.00 – $99,999.99	0.05%	0.05%
	$100,000.00+	0.05%	0.05%
Compounding period: daily Compounding method: daily balance APY = Annual Percentage Yield. Rates are variable and subject to change. Rate is effective as of 02.17.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum opening deposit for regular certificates. Please use the Secure Form in Digital Banking to open a regular certificate or contact Member Services at 336.774.3400 / 800.782.4670. Certificate rates available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 / 800.782.4670. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings.

Vacation Club + Holiday Club

Min Deposit	Balance Tier	Rate	APY
$10	$0 – $1,999.99	0.30%	0.30%
	$2,000.00 – $99,999.99	0.35%	0.35%
	$100,000.00+	0.35%	0.35%
Compounding period: quarterly Compounding method: daily balance APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.30% APY applies to balances up to $2,000. 0.35% APY applies to balances of $2,000 or more and $100,000 or more. A $10 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details.

IRA Savings

Min Deposit	Balance Tier	Rate	APY
$5	$0 – $2,499.99	0.15%	0.15%
	$2,500.00 – $4,999.99	0.15%	0.15%
	$5,000.00 – $9,999.99	0.15%	0.15%
	$10,000.00 – $24,999.99	0.15%	0.15%
	$25,000.00+	0.15%	0.15%
Compounding period: quarterly Compounding method: daily balance *APY = Annual Percentage Yield. Rates are variable and subject to change. ‡APY = Annual Percentage Yield. Limit of one account per member. Effective date 02.01.26. Dividends are segmented according to account balance. First $250,000.00 per account will earn 3.45% APY (dividend rate 3.397%). Portion of balance above $250,000.00 will earn 0.15% APY (dividend rate 0.150%). A balance of $500,000.00 would result in a blended APY of approximately 1.90%. Fees may reduce earnings. Terms and conditions apply. Minimum opening deposit $50.00. No minimum balance is required to earn dividends. Rates and offer are subject to change at any time and without notice. Limit one account per member. Business and non-profit accounts must be opened in a Financial Center. Federally insured by NCUA.

Retail Money Market

Min Deposit	Balance Tier	Rate	APY
$50	$0 – $2,499.99	1.49%	1.50%
	$2,500.00 – $24,999.99	1.49%	1.50%
	$25,000.00 – $49,999.99	1.79%	1.80%
	$50,000.00 – $99,999.99	1.88%	1.90%
	$100,000.00+	1.98%	2.00%
Compounding period: monthly Compounding method: daily balance APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. 1.50% APY applies to balances up to $24,999.99, 1.80% APY applies to balances of $25,000 to $49,999.99, 1.90% APY applies to balances of $50,000 to $99,999.99, and 2.00% APY applies to balances of $100,000 or more. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.

High Tier Money Market

Min Deposit	Balance Tier	Rate	APY
100,000.00	$0 – $99,999.99	0.05%	0.05%
	$100,000.00 – $249,999.99	1.98%	2.00%
	$250,000.00 – $499,999.99	2.47%	2.50%
	$500,000.00+	2.96%	3.00%
Compounding period: monthly Compounding method: daily balance * APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. 0.05% APY applies to balances up to $99,999.99, 2.00% APY applies to balances of $100,000 to $249,999.99, 2.50% APY applies to balances of $250,000 to $499,999.99, and 3.00% APY applies to balances of $500,000 or more. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.

Feature Money Market

Min Deposit	Balance Tier	Rate	APY
$50	$0 – $250,000.00	3.40%	3.45%
	$250,000.01+	0.15%	0.15%
Compounding period: monthly Compounding method: daily balance * APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 3.45% APY applies to balances up to $250,000.00, and 0.15% APY applies to balances over $250,000.00. Additional balance requirements and APY tiers are outlined in the rate table. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.

Min Deposit

Balance Tier

Rate

APY

$50

$0 – $250,000.00

3.40%

3.45%

$250,000.01+

0.15%

Compounding period: monthly

Compounding method: daily balance

* APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 3.45% APY applies to balances up to $250,000.00, and 0.15% APY applies to balances over $250,000.00. Additional balance requirements and APY tiers are outlined in the rate table. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.

Allegacy Preferred Checking

Min Deposit	Balance Tier	Rate	APY
$50	$0 – $2,499.99	0.05%	0.05%
	$2,500.00 – $9,999.99	0.05%	0.05%
	$10,000.00+	0.05%	0.05%
Compounding period: monthly Compounding method: daily balance *APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. Balance requirements for each APY tier are outlined in the rate table. Each preferred checking account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account.

SmartRate Checking

Min Deposit	Condition	Balance Tier	Rate	APY
$50	Requirements NOT met	All balances	0.05%	0.05%
$50	Requirements met	0–25,000.00	2.96%	3.00%
$50	Requirements met	25,000.00+	0.10%	0.10%
Compounding period: monthly Compounding method: daily balance *APY = Annual Percentage Yield. Rates are variable and subject to change. When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. If account requirements are not met, all balances earn 0.05% APY. Requirements include enrollment in eStatements, at least 20 debit card transactions per cycle, and a direct deposit or ACH debit per cycle. Up to $25 in ATM fees will be refunded per month when requirements are met. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account.