*Offer good for initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for the CD, excluding CD specials, that is closest but not exceeding the term to the CD. Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily. Penalty may be imposed to early withdrawal. Fees could reduce earnings on the account. APY is accurate as of 04/01/2026. Product offering may be withdrawn at any time. Advertised rate and APY are offered at the bank’s discretion and may change daily. The minimum balance to open an account and obtain the Annual Percentage Yield (APY) shown is $10,000, with a maximum deposit of $2,000,000. The minimum amount of new money required is $10,000 or half the opening deposit amount, whichever is greater. New money is defined as money that has not been on deposit in any Richwood Bank account in the last 30 days.