Personal Savings Accounts

^{*Annual Percentage Yield (APY) effective as of  18 April, 2025. To be eligible for Zeugma Reward Checking and Savings benefits, clients must fulfill the following 3 requirements on the Zeugma Reward Checking each month: receive a minimum of $1,800 in direct deposits, enroll in eStatements, and have ten (10) debit transactions posted and cleared per month (excluding internal transfers). Eligible Zeugma Checking accounts will be reimbursed up to $15 per month in ATM surcharges assessed by other banks and will receive debit card cash rewards of 1% on “Qualifying Purchases” per month. “Qualifying Purchases” include signature transactions only where the client selects “credit” as the transaction type. Transactions made at, with, or through the following vendors will not be counted towards the minimum number of debit transactions requirement for Zeugma Rewards or receive the 1% cash back regardless of if it is a transaction where “credit” is selected as the payment type: Google Wallet, PayPal, Venmo, Square Cash, MoneyGram, and effective October 31, 2024, any other cash transfer, wire transfer or payment made through any money movement app, website, vendor or institution. The debit card cash back rewards and ATM surcharge refunds will be paid by the 15th day of the following month for the accounts that qualify in the current statement cycle. $10 minimum balance to open Zeugma Checking and $10 minimum balance to open Zeugma Savings and earn APY. No minimum balance required to maintain account, $10 minimum balance required to earn rewards. When you are eligible for Zeugma Rewards, then the interest paid on Zeugma Savings in the next statement cycle on balances of $500,000 or less is 2.96% with an APY of 3.00%; an interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $500,000. The APY for this tier will range from 0.10% to 3.00% depending on the balance in the account. If you do not qualify for the Zeugma Rewards, you will be paid 0.10% APY on your entire balance in the Zeugma Savings. The initial rate on the account shall be tiered. Interest rates may vary after account opening. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-MISC. Fees may reduce earnings on the account. One account per household.}

^{**Annual Percentage Yield (APY) effective as of  18 April, 2025 and subject to change after account is opened. $10 minimum account balance to open accounts and earn APY. Client must agree to receive eStatements as a condition of the Account. Leader Bank reserves the right to discontinue without notice.}

^{***Annual Percentage Yield (APY) effective as of  18 April, 2025. $10 minimum balance to open accounts and earn APY.}