Savings Product Comparison Chart

Feature	Emergency Reserve Savings¹	Preferred Savings
Best for You if You	Need easy access to your cash. Need security to cover unexpected expenses.	Need convenient access to your money while it earns interest.
Interest Rate Features⁷	Tiered rates let you earn more as interest compounds daily. See rates	Interest compounds daily. See rates
Special Features	Quarterly cash bonus possible for qualified monthly automatic deposits and no withdrawals during the quarter.³	Free check card for ATM access (must also have a checking account). Monthly service fees waived with $50 minimum daily balance (waived for clients under 18). Can provide overdraft protection for checking accounts.
Requirements	Must be 18 years or older to open this account. Thrivent Rewards Checking with direct deposit is required.	N/A.
Minimum Opening Balance	$0	$50
Minimum Daily Balance To Earn Interest	$0	$50
Transaction Limitations	One per statement cycle.⁵	Six withdrawals or transfers from your account each statement cycle.⁴

Feature	Thrivent Rewards Money Market²	Preferred Plus Money Market Account
Best for You if You	Need easy access to your cash. Already have some money saved and want check-writing when you need it.	Need competitive rates and flexibility.
Interest Rate Features⁷	Tiered rates let you earn more as interest compounds daily. See rates	Tiered rates let you earn more as you save more Interest compounds daily. See rates
Special Features	Free check card for ATM access (must also have a checking account). Get the highest rate at a comparatively low balance for the industry. Can provide overdraft protection for checking accounts.	Monthly service fees waived with $2,500 minimum daily balance.
Requirements	Thrivent Rewards Checking with direct deposit into any deposit account is required.	N/A.
Minimum Opening Balance	$25	$2,500
Minimum Daily Balance To Earn Interest	$25	$2,500
Transaction Limitations	Six withdrawals or transfers from your account each statement cycle.⁴	Six withdrawals or transfers from your account each statement cycle.⁴ The minimum amount you may withdraw is $500.00

¹ Must be 18 or older and have an active Thrivent Rewards Checking account with direct deposit is required to open an Emergency Reserve Savings.

²To open and maintain a Thrivent Rewards Money Market Account, you must also maintain a Thrivent Rewards Checking Account and maintain direct deposit into a deposit account. If direct deposit is terminated, your Thrivent Rewards Money Market Account may be transferred to a Preferred Savings Account.

³ If you maintain an automatic deposit of $50 into your Emergency Reserve Account each month and you do not initiate any withdrawals from your account, you will be paid a $5 bonus each quarter.

⁴ The depositor is permitted to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor and payable to third parties. An excessive transaction fee of $10 will be imposed against any transaction(s) in excess of these limitations. Unlimited withdrawals may be made from your account, provided these withdrawals are made in person to a bank employee or via an automated teller machine. All other withdrawals are limited to six per statement cycle. For Preferred Savings, no transfers or withdrawals by check, draft, or similar order to third parties. An excessive transaction fee of $10 will be imposed against any transaction(s) in excess of these limitations.

⁵ An excessive transaction fee of $10 will be imposed against any transaction in excess of those described above up to and including the 6th transaction. A withdrawal fee of $20 will be imposed against each transaction in excess of 6 per statement cycle.

⁶ During the first of the term you may exercise 1 of the following 3 options: Bump up your interest rate to current rate or withdrawal up to 50% of your beginning balance ($5,000 minimum balance has to remain in the account after the withdrawal) or add a minimum of $500, may not be more than $200,000 and may not exceed the dollar amount of the initial deposit.

⁷Fees could reduce earnings.

The type of savings account that's best for you depends on your financial goals and your needs. The savings product comparison chart will show more details on which account might be right for your situation, interest rates, minimum balances, special features, and more.

Choose up to three savings options to compare:

	Emergency Reserve Savings – A savings account designed to encourage saving. Lower balances receive higher rates. Plus, you can receive bonus cash credits added to your account! Emergency Reserve Savings may be right for you if you need security to cover unexpected expenses.
	Preferred Savings – A basic savings account that's designed to cover all the bases! Convenient access to your money while it earns interest. Preferred Savings may be right for you if you need convenient access to your money while it earns interest.
	Thrivent Rewards Money Market – The account that rewards you for banking with us! Get the highest rate at the lowest tier possible. Thrivent Rewards Money Market may be best for you if you already have some money saved and want check-writing when you need it.
	Preferred Plus Money Market – Get competitive rates for your savings and still have access to your money. Preferred Plus Money Market may be right for you if you need competitive rates and flexibility.
	Traditional CD – Traditional CDs may be right for you if you have a lump and you want to save for future needs.
	Flex CD – Works for you no matter what direction rates are heading – increasing your CD's earning potential. A Flex CD may be right for you if you can afford to save some money for a while, and want some flexibility in your CD.

Contact a Thrivent Financial Bank representative to help you evaluate which product is best for you and your financial strategy. He or she can provide you with costs, complete details of features and requirements.