*APY = Annual Percentage Yield. APYs accurate as of the last dividend declaration date, 08/07/2017. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $15,000.00 receive APY of 1.49%; and balances over $15,000.00 earn 0.32% APY on the portion of balance over $15,000.00, resulting in a range from 0.32% to 1.49% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions or transfers between accounts. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments and other requirements apply. $5.00 minimum deposit is required to open any Kasasa checking account. Monthly direct deposit/ACH credit and enrollment in electronic statements are conditions of this account. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Courtesy Pay is available after 90 days, if account is in good standing and if Opt-in form has been signed. Mobile banking is free; data and other wireless carrier charges may apply. Contact a Mutual 1st Federal representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.