3.75% APY¹

1. Rates expressed as Annual Percentage Yield (APY) and effective as of March 23, 2026. 12-mo. Breakable Certificate of Deposit Special (CD, offer) with a relationship rate bonus will earn an interest rate of 3.68% resulting in stated APY during initial CD term. To earn relationship rate bonus, CD owner must: a) have a new or existing Penn Community Bank personal checking account with a balance of $500 or more at the time of the 12-mo. Breakable CD opening and b) have a new or existing debit card on the Penn Community Bank personal checking account at the time of the cd opening. For new checking accounts opened at the same time as the CD, an opening deposit of $500 or more into the checking account is required. 12-mo. Breakable CD without a relationship rate bonus will earn an interest rate of 3.49 resulting in an APY of 3.55%. Additional terms and information: Offer is only available for new accounts opened at one of Penn Community Bank’s Lehigh Valley or Montgomery County branches, located at 2285 Schoenersville Road, Bethlehem, PA 18017, 3100 West Tilghman St., Allentown, PA 18104, 490 Forty Foot Road, Lansdale, PA 19446, and 1651 The Fairway, Jenkintown, PA 19046. Minimum balance to open a CD and to earn APY is $500. Maximum opening balance is $1,000,000.00. Offer not available for Individual Retirement Account (IRA), Business or Municipal deposits. CD withdrawals or closures made during first six days of certificate opening will incur a penalty of seven days simple interest. After first six days, a one-time full or partial withdrawal of principal balance and accrued interest is allowed during certificate term without penalty. Additional withdrawals will incur standard early withdrawal penalties which will impact earnings. Relationship rate bonus applies to initial CD term only. At maturity, after ten-day grace period during which changes may be made, 12-month Breakable CD will renew at standard 12-month CD rate and terms available at time.

2. Limited-time offer may be subject to change or withdrawal without notice.

3. Based on 12-month Breakable CD APY of 3.55% compared to average 0.39% APY average rate paid for savings accounts as reported on FDIC.gov as of March 16, 2026. Ask for full details. Member FDIC. Equal Housing Lender.