Asheville Grand Opening Money Market Offer

*APY=Annual Percentage Yield 

¹ Money Market Promotion: Money Market Tiered
The Promotional Offer is available for a limited time only. This offer is only available to Consumer customers. To open the account, you must deposit a minimum of $2,500.00. A minimum balance fee of $10.00 will be imposed every month the balance in the account falls below $2,500.00 any day of the statement cycle. A minimum account balance of $2,500.00 is required to earn interest. You will earn a promotional interest rate of 4.07% with a 4.15% APY for 12 months from account opening. The promotional interest rate and APY apply to balances of $2,500.00 or greater. Tier 1- If your daily balance is $0.00, up to $2,499.99, the interest rate paid on the entire balance in your account will be 0.00% with an annual percentage yield of 0.00%. Tier 2- If your daily balance is $2,500.00 and above, the interest rate paid on the entire balance in your account will be 4.07% with a 4.15% APY for 12 months from account opening. Following the promotional period, the interest rate will be based on 80% of the Federal Funds Effective Rate. Balances below $2,500.00 will not earn interest. As of August 6, 2026, 80% of Federal Funds Effective rate is 2.90% with an APY of 2.94%. The interest rate and APY are variable and may change daily. You must maintain a minimum average daily balance of $2,500.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account each day of the period and dividing that figure by the number of days in the period. Exceeding six (6) withdrawals or transfers in a statement cycle will result in a $2.00 charge per transaction over six (6). Rates are subject to change. Fees may reduce earnings. APY is accurate as of 2/19/2026.

Consumer Fed Funds Money Market
The Promotional Offer is available for a limited time only. This offer is only available to Consumer customers.  To open the account, you must deposit a minimum of $100.00. A minimum balance fee of $10.00 will be imposed every month the balance in the account falls below $100,000.00 any day of the statement cycle. If your account balance falls below $100,000.00 on any day during the statement cycle, the minimum balance fee will be waived if you are a Primary or Secondary/Joint Owner of an eligible Essential Checking account. If you do not have an Essential Checking account and decide to open an Essential Checking account, then the account must be opened prior to the 25th of the month to ensure that the minimum balance fee is waived for that statement cycle. A minimum account balance of $0.01 is required to earn interest. You will earn a promotional interest rate of 4.07% with a 4.15% APY for 12 months from account opening. Following the promotional period, the interest rate will be based on 80% of the Federal Funds Effective Rate. As of August 6, 2026, 80% of Federal Funds Effective rate is 2.90% with an APY of 2.94%. The interest rate and APY are variable and may change daily. You must maintain a minimum average daily balance of $0.01 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account each day of the period and dividing that figure by the number of days in the period. Exceeding six (6) withdrawals or transfers in a statement cycle will result in a $2.00 charge per transaction over six (6). Rates are subject to change. Fees may reduce earnings. APY is accurate as of 2/19/2026. To learn more about our Essential Checking account, please contact your local branch or visit our website at www.fbfinancialonline.com

Commercial Fed Funds Money Market and Commercial Money Market Tiered
The Promotional Offer is available for a limited time only.  This offer is available to Business customers only. You will earn a promotional interest rate of 4.07% with a 4.15% APY for 12 months from account opening. Following the promotional period, the interest rate will be based on 80% of the Federal Funds Effective Rate. As of August 6, 2026, 80% of Federal Funds Effective rate is 2.90% with an APY of 2.94%. The interest rate and APY are variable and may change daily.  For more information on our Commercial Money Market accounts, please contact your local branch.

² FDIC Insured disclosure: Deposit balances are insured up to the maximum amount permitted by law. The standard insurance amount is $250,000 per depositor, for each deposit insurance ownership category.