*The promotional Annual Percentage Yield (APY) is available only on the Ohio Homebuyer Plus effective June 15, 2024. $100 minimum to open account. To maintain eligibility, a minimum balance of $100.00 must be maintained. Three years after account opening, the minimum balance requirement becomes $500.00. Any accounts with less than $500.00 at that time will no longer be eligible for the Ohio Homebuyer Plus program and the account will be converted to the bank's standard savings product. The account balance cannot exceed $100,000.00. Account must be used within 5 years of opening and withdrawn funds used for down payment or closing costs to purchase a primary residence. Once withdrawals begin, customer has 90 days to use the rest of the balance. If your mortgage loan is applied for and approved by North Valley Bank within the applicable 5-year period, there will be a Lender Credit of $500.00 given. If any eligibility requirements fail to be met, the account will revert to the bank's standard savings product. Terms, conditions, and promotional rate are subject to change without notice. The rate will remain effect through maturity rate, but a penalty will be incurred for early withdrawal. Fees could reduce earnings on the account.