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MSB News - January 2026

Make a resolution to save! Statement Savings  Smart saving starts here when you open your Statement Savings account! ★ Automatic withdrawal capability ★ Online banking transfer capability ★ Access to E-Statements 24/7 ★ MSB Mobile App Available* *Mobile carrier fees may apply . If you're an existing customer open your savings account online with GoOpen!  1. Log in to Online Banking 2. Select "To open a new account click here"  3. Follow the prompts to enter your information  Mortgage Loan  New Year, New Home! 30-Year Fixed Rate loans as low as 5.875% / 5.938% APR* • 30-Year Fixed Rate Mortgage • Available for purchase or refinance transactions • Applies to Single-Family, Owner-Occupied Properties Only • Requires MSB Deposit account with $500 opening balance For more details contact our loan expert! Bradley Brown | 513-353-5224 bbrown@miamisavingsbank.com NMLS #1459395 5.875% interest rate with an Annual Percentage Rate* of 5.938% for a 30-year fixed-rate mortgage. Rate assumes owner-occupied primary residence and approved credit. To receive the lowest advertised rate, borrower must open an eligible deposit account with a $500 initial deposit. No minimum balance required and no monthly maintenance fees apply. Rates and terms subject to change. All loans are subject to credit and underwriting approval. Certain fees and restrictions may apply or other terms and conditions may apply. Monthly payment based on a loan of $100,000. Monthly payment of $591.54. Payment does not include taxes and insurance, and the actual payment obligation will be greater. Monthly payment based on 20% down with 360 payments. Loans with less than 20% down are subject to Principal Mortgage Insurance (PMI). Jumbo Loans are subject to .25% increase to stated rate. Rates are effective 1/5/2026 and are subject to change at any time. *Annual Percentage Rate or APR  CD SPECIALS 91 Day 4.00% Annual Percentage Yield With Miami Savings Bank Checking Account 9 Month 3.50% Annual Percentage Yield  Interest Rate and APY are accurate as of January 1, 2026. Promotional Interest Rate of 3.87% (APY 4.00%) is guaranteed for 91 Days for balances of $1,000 or more with a qualified Miami Savings Bank checking account. Promotional Interest Rate of 3.39% (APY 3.50%) is guaranteed for 9 Months for balances of $1,000 or more. At maturity CD will auto-renew at the then current 91 Day or 9 Month rate. Rates subject to change. A penalty may be imposed for early withdrawal. Minimum balance required to earn interest. Interest is calculated on a continuous basis but is paid monthly, quarterly, or at maturity.   Identity Theft Awareness Week Identity Theft can affect people of any age. Monitoring  your credit score and bank account(s) can help catch identity theft early!   Keep track of both by enrolling in Online Banking and Array Credit Score at www.miamisavings.bank!  Visit ftc.gov/IDTheftWeek for more ID Theft prevention tips!

 

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