SPOOKY GOOD RATES 12 MONTH CD 18 MONTH CD 4.00% 3.75% (APY) Annual Percentage Yield Ultima Bank MINNESOTA (APY) Annual Percentage Yield $1,000 minimum deposit to open. $1,000 minimum balance required to earn APY. No institutional deposits. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Expires 10/24/2025. Winger Fosston Plummer . Bemidji East Grand Forks Gary www.ultimabank.com (800) 421-2588 . Member FDIC SPOOKY GOOD RATES 12 MONTH CD 18 MONTH CD 4.00 % 3.75 % ( APY ) Annual Percentage Yield Ultima Bank MINNESOTA ( APY ) Annual Percentage Yield $ 1,000 minimum deposit to open . $ 1,000 minimum balance required to earn APY . No institutional deposits . Fees may reduce earnings . A penalty may be imposed for early withdrawal . Expires 10/24/2025 . Winger Fosston Plummer . Bemidji East Grand Forks Gary www.ultimabank.com ( 800 ) 421-2588 . Member FDIC