When the daily balance is within a specified tier range, a disclosed interest rate will be paid on the entire balance in the account. As of December 17, balances between $0 and $2,499 earn 0.50% Annual Percentage Yield (APY); balances between $2,500 and $24,999 earn 0.60% APY; balances between $25,000 and $249,999 earn 2.50% APY; and balances of $250,000 or greater earn 1.25% APY. APYs effective for 100 days from the business date of account opening. After the first 100 days, the balance tiers and APYs will change to the Money Market Plus tiers and APYs in effect at that time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). This means that interest accrues on the collected balance. Rates are variable and can change at any time. Interest is compounded and credited monthly. Minimum balance to open the account and earn the APY is $25,000. Minimum balance of $2,500 must be maintained to avoid the $25 monthly maintenance fee. Offer open to individuals only, including IRA rollovers, available on money deposited from another institution (not on deposit with First Midwest within the last 90 days), and for residents of Illinois, Indiana, Iowa, and Wisconsin only. Offer may be withdrawn at any time, without notice, and is not subject to other rate premiums or enhancements. Fees may reduce account earnings. No brokered deposits. Existing First Midwest clients are encouraged to participate provided that the initial $25,000 deposit was not on deposit with First Midwest within the last 90 days.

Points are credited biannually in January and July at 2.5% totaling 5% annually of year-to-date balances for all traditional deposits. Tuition Rewards enrollment not required to open Money Market Plus account or earn stated APY, but it is the best way to fulfill the dream of a college education for a child in your family. Earning up to one full year of private college tuition, simply for taking care of your everyday banking needs, is completely free and easy to do with First Midwest Tuition Rewards. With over 25,000 clients accumulating over $28 million in college savings since the program's introduction in May 2008, you too can dream of a future full of possibilities knowing that when she's ready for college, you will be too.

Assumes $25,000 remains on deposit and earns 2.50% APY for 60-months with interest compounded and credited monthly.

One point is worth $1 in tuition discounts. Points earned based on 5% per year over 5 years with $25,000 deposited in year one of a Money Market Plus account (plus 500 point enrollment bonus and 100 point bonus for opening the Money Market Plus account). Tuition Rewards may be earned in other ways too — ask a Banker for details.

Assumes all Tuition Rewards points are redeemed for tuition discounts.