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| TERM | RATE |
| 3 Month CD | 3.50% APY* |
| 6 Month CD | 3.75% APY* |
| 11 Month CD | 4.00% APY* |
| 12 Month CD | 3.25% APY* |
| Next Step Savings | 3.60% APY** |
| TIER | RATE |
| Bayfront Money Market (Personal and Business) | |
| $0-$24,999.99 | 0.30% APY*** |
| $25,000-$99,999.99 | 1.15% APY*** |
| $100,000-$249,99.99 | 1.55% APY*** |
| $250,000-$999,999.99 | 1.70% APY *** |
| $1,000,000 and over | 1.95% APY*** |
| TIER | RATE |
| Little Traverse Savings (Personal and Business) | |
| $0-$9,999.99 | 0.30% APY**** |
| $10,000-$99,999.99 | 2.50% APY**** |
| $100,000-$249,99.99 | 3.50% APY**** |
| $250,000-$999,999.99 | 3.75% APY **** |
| $1,000,000 and over | 4.00% APY**** |
*Certificate of Deposit available only for accounts up to $250,000 per household to customers in Benzie, Grand Traverse, Leelanau, Manistee, Wexford, Emmet, Charlevoix, Cheboygan, Otsego, Mason, Oceana, Muskegon, Lake, and Mecosta County. The annual percentage yield is effective September 1, 2026 and requires a $1,000 minimum opening balance to obtain the stated APY. Deposit accounts FDIC insured up to $250,000. Retirement accounts FDIC insured separately up to $250,000. CD pays interest at maturity. 11 month CD converts to a 12 month CD. A penalty may be imposed for early withdrawals. To obtain the stated APY, minimum balance requirements must be met. Fees could reduce the earnings on accounts.
**Maturing Honor Bank CD funds only. $100 minimum balance to avoid a monthly maintenance charge of $5.00. Account fees may reduce earnings. $4.00 monthly paper statement fee may be waived with enrollment in eStatements. Rates are subject to change at any time without notice. The annual percentage yield is effective September 1, 2026, and requires a minimum opening balance of $100. Available in Benzie, Grand Traverse, Leelanau, Manistee, Wexford, Emmet, Charlevoix, Cheboygan, Otsego, Mason, Oceana, Muskegon, Lake, and Mecosta County.
***Rates are variable and subject to change at any time without notice. APY as of September 1, 2026. APY – Annual Percentage Yield. Account fees may reduce the earnings on the account. $4 monthly paper statement fee waived with enrollment in e-Statements. Honor Bank limits certain types of withdrawals and transfers made from a money market account to a combined total of six per account cycle. This includes withdrawals made by check or draft to third parties; debit or ATM card point-of-sale (POS) purchases; and pre-authorized withdrawals such as automatic transfers for overdraft protection and transfers made by telephone, online banking, mobile banking, bill pay, wire and facsimile. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your Money Market account to a non-interest bearing checking account.
**** New accounts may not be funded with existing Honor Bank funds – NEW Money Only. $100 minimum balance to avoid a monthly maintenance charge of $5.00. Account fees may reduce earnings. Rates are subject to change at any time without notice. Available in Benzie, Grand Traverse, Leelanau, Manistee, Wexford, Emmet, Charlevoix, Cheboygan, Otsego, Mason, Oceana, Muskegon, Lake, and Mecosta County. The annual percentage yield (APY) is effective September 1, 2026, and requires a minimum opening balance of $100.