Checking and Savings Rates

All interest rates and annual percentage yields are current as of January 30, 2012.

Checking Accounts | Savings Accounts | Money Market Accounts | CDs

Checking Accounts
Account	Minimum Balance to Obtain APY ($)	Interest Rate³ (%)	APY³ (%)
Thrivent Rewards Checking Account	No minimum balance requirement	0.20	0.20

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Savings Accounts
Account	Minimum Balance to Obtain APY ($)	Interest Rate³ (%)	APY³ (%)
Preferred Savings Account	50.00 and up	0.10	0.10
Emergency Reserve Savings Account¹	0.00 – 999.99	0.10	0.10
	1,000.00 – 2,499.99	0.30	0.30
	2,500.00 and up	0.50	0.50

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Money Market Accounts
Account	Minimum Balance to Obtain APY ($)	Interest Rate³ (%)	APY³ (%)
Thrivent Rewards²	0.00 – 24.99	0.00	0.00
	25.00 – 999.99	0.10	0.10
	1,000.00 – 4,999.99	0.15	0.15
	5,000.00 – 9,999.99	0.20	0.20
	10,000.00 – 99,999.99	0.40	0.40
	100,000.00 and up	0.60	0.60
Preferred Plus	2,500.00 – 4,999.99	0.10	0.10
	5,000.00 – 9,999.99	0.15	0.15
	10,000.00 – 24,999.99	0.20	0.20
	25,000.00 – 49,999.99	0.30	0.30
	50,000.00 – 99,999.99	0.35	0.35
	100,000.00 and up	0.40	0.40

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Certificates of Deposit⁴ – $1,000.00 – $99,999.99
Account	Term	Interest Rate⁴ (%)	APY⁴ (%)
Standard CD	3 Month	0.15	0.15
	6 Month	0.20	0.20
	9 Month	0.25	0.25
	12 Month	0.30	0.30
	14 Month SPECIAL RATE with a minimum $5,000.00 deposit	0.70	0.70
	18 Month	0.35	0.35
	24 Month	0.50	0.50
	30 Month SPECIAL	0.85	0.85
	36 Month	0.70	0.70
	48 Month	1.05	1.06
	60 Month	1.34	1.35

Certificates of Deposit⁴ – $100,000.00 or more
Account	Term	Interest Rate⁴ (%)	APY⁴ (%)
Standard CD	3 Month	0.15	0.15
	6 Month	0.20	0.20
	9 Month	0.25	0.25
	12 Month	0.30	0.30
	14 Month SPECIAL RATE with a minimum $5,000.00 deposit	0.70	0.70
	18 Month	0.35	0.35
	24 Month	0.50	0.50
	30 Month SPECIAL	0.85	0.85
	36 Month	0.70	0.70
	48 Month	1.05	1.06
	60 Month	1.34	1.35

Flex Certificates of Deposit⁴ – $5,000.00 or more
Account	Term	Interest Rate⁵ (%)	APY⁵ (%)
Flex CD⁵	12 Month SPECIAL	0.65	0.65
	18 Month	0.25	0.25
	24 Month	0.35	0.35

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¹ An active Thrivent Rewards Checking account with direct deposit is required to open and maintain an Emergency Reserve Savings account. Must be 18 years old or more to open this account.

² To 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 The interest rate and annual percentage yield (APY) are variable and subject to change after the account is opened. Fees may reduce earnings on the account.

⁴ A minimum balance of $1,000.00 for 3, 6, 9, 12, 18, 24, 30, 36, 48 and 60 month terms and a minimum balance of $5,000 for a 14 month special term is required to earn the disclosed annual percentage yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

⁵ Annual Percentage Yield (APY) is accurate as of January 30, 2012 , and subject to change without notice. You must deposit and maintain $5,000.00 to open the account and to obtain the disclosed APY. If you choose to add a one-time deposit to the CD, the additional deposit must be at least $500, may not be more than $200,000 and may not exceed the dollar amount of the initial deposit. You may only step up the interest rate once during the first half of the term of the CD. Withdrawals up to 50% of beginning balance may only be made once during the first half of the term of the CD following account opening. If you choose to use the withdrawal option, a balance of $5,000.00 must be kept in the CD. A penalty may be assessed for early withdrawals other than the withdrawal permitted by the terms of the account contract. Fees could reduce earnings.