*Annual Percentage Yield (APY) is accurate as of June 15, 2026 for the first 12 months of account opening on qualifying High Country Checking and High Country Business Checking accounts opened at the Boone branch only.  After the initial term the APY is subject to change without notice.  Minimum opening deposit is $20.  This is a blended rate account.  As of 6/15/2026:  Balances up to $25,000 earn 3.75% APY.  Balances over $25,000 earn a range of 3.75% - .11% APY.  To qualify for the promotional APY, account holders must have eStatements, maintain Online Banking access, and establish direct deposit or recurring monthly deposit activity within 60 days of account opening. If requirements are not met within 60 days, the account will be changed to a PFFree Checking Account at a lower rate (personal) or PFEssential Checking Account (business) that earns no interest. PFFree Checking Account: No Monthly Fees: Standard nonsufficient funds still apply. Limit two promotional High Country Checking accounts per Social Security Number or Taxpayer Identification Number. Offer available for a limited time and may be withdrawn or changed without notice. Offer cannot be combined with other promotions. Additional terms and conditions may apply. Fees could reduce earnings.