Boyes Hot Springs, California Savings Rates - September 2026

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Introductory promo for new customers. Introductory Interest Rate is determined by adding 0.67% to the variable interest rate paid on the Valley Direct High Yield Savings account (the "Standard Interest Rate"). Introductory Interest Rate, Standard Interest Rate and APY are variable and may change after the account is opened. The opening deposit also must be a new money deposit, which is defined as funds from an external funding source that are not presently on deposit in any other Valley account. Eligible Valley Direct High Yield Savings accounts will earn an introductory interest rate for one year from the date of account opening.

The APY for the Balance Tier $500.01 or more will range from 4.00% to 0.01% , depending on the balance in the account.

Qualifications Required: Deposits of $250+ per month; LevelUp Rate applied to full balance when $250+ in deposits made during Evaluation Period. Standard Rate of 3.00% APY applies otherwise. Rates are variable and subject to change.

Qualifications Required: At least $250 in deposits per month; Standard Rate of 3.00% APY accurate as of 09/11/2026. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period. An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. Any rate changes will take place at the end of the first business day of the month and will be based on deposits in the previous statement cycle. Fees may reduce earnings.

Qualifications Required: Direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month; Earn 4.00% APY on Freedom Direct Savings with Direct Deposit to a Freedom Direct Checking Account. Balances over $25,000 will earn 0.150% APY and all balances in a month when qualifications are not met will earn the standard Share Savings APY starting at 0.100%. One Freedom Direct Savings per Justice Federal membership.

Earn 4.00% APY* on balances up to $25,000. Earn 0.500% APY* on balances over $25,000. No minimum balance required. No monthly maintenance fees.

Balances above $10,000.01 will earn .10 APY*

Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Dividend rates are variable and subject to change after the account is opened.

Highest yield on balances up to $1,000. A blended APY is calculated based on balances in each earning tier. Dividend rates are variable and subject to change after the account is opened.

Compounding and crediting - Dividends will be compounded annually. Dividends will be credited to your account annually. Dividend period - For this account type, the dividend period is annually, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is December 31. The dividend declaration date follows the ending of a dividend period, and for the example above is January 1, of the following year. If you close your share account before dividends are paid, you will not receive the accrued dividends. Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is annually. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Par value of a share: The par value of a share in this account is $5.00. Bylaw requirements: You must complete payment of one share in your Regular Share account as a condition of admission to membership. Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

Rates effective June 1, 2026. The deposit yield of 3.87% is based on an interest rate of 3.80% on a 9-month term with a $1,000 minimum deposit. Certificate rates are effective April 1, 2026. Early withdrawal penalties apply.

Promotional Rate. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate applicable to this account type. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s) applicable to this account type. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. To qualify, you must be a new personal savings client of Flagstar Bank and open a Flagstar Ready Savings account. You must deposit additional funds, to maintain a balance greater than or equal to $10,000 is required and must be "new money," which is defined as money that is not currently on deposit in any Flagstar Bank account; money moved from any Flagstar Bank affiliate or subsidiary account or funded from a Flagstar/affiliate loan or line of credit does not qualify. For purposes of this offer, funds from maturing certificate of deposit accounts held at Flagstar Bank will be considered eligible. The account must remain open for the full 180-day promotional period. This offer is limited to one promotion per household. If any signer on this account has previously received a savings promotion from Flagstar Bank, you are ineligible for this offer. This offer cannot be combined with any other offers or promotions. An early account closure fee may be imposed for accounts closed within 180 days. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee eligibility. All account applications are subject to our normal approval process. Personal accounts only. Area restrictions may apply.

Earned with new money. Learn More*

Existing customers earn 3.30% APY, that's still 8x the national average! Open online in just a few easy steps, and add or withdraw money at any time. The interest rate and APY may change after the account is opened.

Online account opening required; Interest bearing account with a competitive rate of 3.04% APY* with no minimum daily balance required to obtain APY. Opening deposit not required; Maintenance fee of $5.00, waived if enrolled in e-Statements; Must be funded within 30 days of opening the account; $3.00 per in-branch deposit; $3.00 per in-branch withdrawal; $10.00 per paper statement request; Annual Percentage Yield (APY) is accurate as of 8/11/2023. Interest will be compounded and credited monthly. Rate for this account is variable, determined by the Bank of Guam at its sole discretion and can change before or after account opening. Fees could reduce earnings.

RELATIONSHIP

Standard Rate applied when $250+ in deposits not made during Evaluation Period. Rates are variable and subject to change.