JUMPSTART THEIR FUTURE BY OPENING A SMART ACCOUNT (SMART) School Money At Right Time: designed specifically for youth 18 years of age or younger 4.32% (APY) Annual Percentage Yield Ultima Bank MINNESOTA Interest Rate is variable and subject to change without notice. Fees could reduce earnings. $100 minimum to open account. No minimum to earn interest. Penalty for early withdrawal. Rate is accurate as of 4/22/26. Member FDIC WINGER - FOSSTON - PLUMMER BEMIDJI EAST GRAND FORKS - GARY WWW.ULTIMA.BANK (800) 421-2588 - JUMPSTART THEIR FUTURE BY OPENING A SMART ACCOUNT ( SMART ) School Money At Right Time : designed specifically for youth 18 years of age or younger 4.32 % ( APY ) Annual Percentage Yield Ultima Bank MINNESOTA Interest Rate is variable and subject to change without notice . Fees could reduce earnings . $ 100 minimum to open account . No minimum to earn interest . Penalty for early withdrawal . Rate is accurate as of 4/22/26 . Member FDIC WINGER - FOSSTON - PLUMMER BEMIDJI EAST GRAND FORKS - GARY WWW.ULTIMA.BANK ( 800 ) 421-2588 -