4.25% APY* for 9 Months

*4.25% Annual Percentage Yield, or APY, is accurate as of July 1, 2026. The interest rate and APY are fixed for the initial 9-month term. The APY assumes principal and interest remain on deposit for the full term of the Certificate of Deposit (CD). Interest is compounded daily and credited monthly. Fees and withdrawals of principal or interest may reduce earnings. A penalty may be imposed for early withdrawal. The minimum deposit required to open and obtain the stated APY is $1,000. Deposits of $5,000,000 or more are subject to prior approval. Offer available only for new CD accounts funded with money not currently on deposit with Exchange Bank. CDs are not available for online account opening. Unless otherwise instructed during the 10-calendar day grace period, the CD will automatically renew at maturity for the same term at the APY and other terms and conditions in effect at the time of renewal. Upon renewal, the APY may change and will be based on the rate in effect at the time of renewal. Terms, conditions, restrictions and fees may apply. Member FDIC.