*Annual Percentage Yield (APY) accurate as of 8/28/26. Deposit rates are variable—rates and terms may change at any time after account opening. Balances of $0.01 - $100,000.00 earn 3.65% APY Balances of $100,000.01 and over earn 3.65%-0.05% APY  |  Qualification requirements to open account and earn stated APY: open a St. Mary’s Bank High Yield Savings account with a minimum of $10. Maintain an existing or open a St. Mary’s Bank checking account (minimum $10 to open) and add qualifying recurring direct deposit totaling at least $1,500 during each monthly statement cycle. After opening a High Yield Savings account, you will have up to two statement cycles to establish a St. Mary’s Bank checking account and establish recurring monthly direct deposits to continue earning the stated savings rate. Thereafter, if qualification requirements are not met in any statement cycle, your account balance will automatically earn the base savings rate of 0.05% APY until requirements are met. Limit one High Yield Savings Account per member.  |  Qualifying Direct Deposit: A direct deposit is income that is automatically deposited into a member’s St. Mary’s Bank checking account by an employer, government agency, or other qualifying organization. This can include your paycheck, pension, Social Security, or other eligible benefits. Transfers between your St. Mary’s Bank accounts, and payments received through peer-to-peer or money app services are not considered direct deposits.  |  1. Comparison based the FDIC’s “National Rate: Savings” series (which includes both banks and credit unions) shows a national average savings rate of 0.38% as of August 2026. Rates are variable and subject to change.