Savings Accounts

Emergency Reserve Savings

A savings account designed to encourage saving. Lower balances may receive higher rates than typical savings account.

Plus, you can receive bonus cash credits added to your account.

Preferred Savings

A basic savings account that's designed to cover all the bases!

Savings Accounts
Feature	Emergency Reserve Savings1	Preferred Savings
Competitive interest rates
Tiered interest rates let you earn more as you save more
You control your monthly service fees!		Minimum Daily Balance
Interest compounds daily
Can provide protection from overdrawing your checking account
Free online banking
Free check card for ATM access (must also have a checking account)	No5	4

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

² Minimum balance fee of $5 will be imposed every month if daily minimum balance falls below $50, if account holder is 18 or older.

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 Transfers and withdrawals are limited to one (1) per month. A withdrawal fee of $10 will be imposed for each transaction per month in excess of this limitation up to and including the sixth transaction. All withdrawal transactions in excess of six (6) will be imposed a $20 fee.

Thrivent Rewards Money Market

The account that rewards you for banking with us! Get the highest rate at the lowest tier possible. An active Thrivent Rewards Checking account with direct deposit into any deposit account is required to open a Thrivent Rewards Money Market.

Preferred Plus Money Market

Get competitive rates for your savings and still have access to your money.

Money Market Accounts
Feature	Thrivent Rewards Money Market6	Preferred Plus Money Market
Competitive interest rates
Tiered interest rates let you earn more as you save more	Minimum Daily Balance	Minimum Daily Balance
You control your monthly service fees!		Minimum Daily Balance
Interest compounds daily
Can provide protection from overdrawing your checking account
Free online banking
Free check card for ATM access (Must also have a checking account)
Write checks to access your savings	4	4

³ Minimum balance fee of $10 will be imposed every month if daily minimum balance falls below $2,500.

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.

⁶ 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.

Standard

A sound and safe investment option, offering competitive earnings to save for a special event or meeting your need for a guaranteed rate of return with no risk.

Flexible terms from 3 months to 60 months, which could allow multiple options to set up CD Ladders to meet your financial goals.

A minimum balance of $1,000 is required to earn the disclosed annual percentage yield. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

Flex

The safety of a CD with new flexibility! Unlike a traditional CD, Thrivent Financial Bank's Flex CD lets you react to whatever direction rates are heading – increasing your CD's earning potential. You can make any one of these choices during the first half of your CD's term:

• If rates go up – Bump up the interest rate to the current higher rate.
• Or, if rates go down – Add at least $500, and not more than $200,000 to your higher-rate CD (cannot exceed your initial deposit).
• Or, withdraw – Up to half of your funds without penalty (need to maintain a minimum balance of $5,000 after you request a withdrawal).

The Flex CD is available in convenient terms of 12, 18, and 24 months.