Effective: 12/02/2022

Centennial Money Market Checking*

Daily BalanceInterest RateAPY**
$0.01 < $75,0000.25%0.25%
$75,000 < $250,000.002.00%2.05%
$250,000 < $1,000,0002.50%2.56%

*New money only.

**APY=Annual Percentage Yield. This is a tiered variable rate account, the rates may change after the account is opened and at any time. The interest rate listed in each tier will be paid on the entire balance in your account. The minimum to open the account is $1,000. The minimum to obtain APY is $.01. If the daily balance on any day of the statement cycle falls below $1,000, a $5.00 maintenance charge will be imposed per month. A dormant account fee of $5.00 per month will be charged after 12 months of inactivity. Fees may reduce earning. “New money” is defined as deposits not previously held by Ascendia Bank.

Effective: 12/02/2022

Certificates of Deposit

TermInterest Rate
APY*Minimum to Open and Obtain APY
18-Month Ascending Rate "Bump Up"^ (Not Available for IRAs)2.92%3.00%$500
24-Month 0.88%0.90%$500

*APY = Annual Percentage Yield. Penalty may be applied for early withdrawal.

Certificate terms for 6 months and above are available for IRA accounts excluding the 18 month ascending rate.

For IRAs consult your tax advisor.

^$500.00 minimum balance to open account and to obtain stated APY. Early withdrawal penalties may apply. During the term of your Ascending Rate Certificate of Deposit (CD), you are permitted to make a one-time request to increase your interest rate during its initial term to the prevailing rate on the certificate with the same maturity as originally issued. Your request to adjust your interest rate is limited to the rate in effect for the 18-Month Ascending Rate at the time of your request. You must request the rate increase in person and sign authorization for the increase. The new interest rate will be effective as of the date of the signed authorization and will not extend the original maturity date of your account.

Effective: 12/02/2022

Money Market Checking and Tiered Statement Savings

Checking and Savings AccountsInterest RateAPY*Minimum Opening BalanceMinimum to
Obtain APY
Money Market Checking**0.10%0.10%$1000$5.00
Tiered Statement Savings$5.00
0.05%0.05%$0.00 - $999.99
0.05%0.05%$1,000.00 - $24,999.99
0.05%0.05%$25,000.00 - $49,999.99
0.10%0.10%$50,000.00 - $99,999.99
0.10%0.10%$100,000.00 - $149,999.99
0.15%0.15%$150,000.00 and over

Tiered Statement IRA Savings accounts are also available as the same as the Tiered Statement Savings.

*APY — Annual Percentage Yield. Fees may reduce earnings.

**Money Market Checking – a maintenance charge of $5.00 will be imposed every month if the daily balance on any day of the statement cycle falls below $1,000.00, Minimum check amount $250.00. Money Market Checking and statement savings are variable rate accounts; rates are subject to change at any time at our discretion and may change after account opening. Minimum to open is $5.00.

Amendment to transaction limitations: effective 5/1/20, the Board of Governors of the Federal Reserve System have amended its Regulation D to allow depository institutions to immediately suspend enforcement of the six-per-month transfer limitation from savings deposits. Until further notice, your Money Market account will not be subject to these transaction limitations per month or statement cycle.