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Deposit Account Annual Percentage Yields (APY) Valid November 16, 2009
Advertised rates are subject to change at any time
| Fixed Rate Certificates of Deposit |
INTEREST
RATE
|
ANNUAL
PERCENTAGE YIELD
|
REQUIRED MINIMUM
BALANCE TO EARN APY
|
REQUIRED MINIMUM
BALANCE TO OPEN
|
| 13 Month CD Special* |
| 1.74% |
1.75% |
$5,000.00 |
$5,000.00 |
| 24 Month CD Special* |
| 1.98% |
2.00% |
$5,000.00 |
$5,000.00 |
| 6 Month CD* |
| 0.95% |
0.95% |
$1,000.00 |
$1,000.00 |
| 1 Year CD* |
| 1.29% |
1.30% |
$1,000.00 |
$1,000.00 |
| 2 Year CD* |
| 1.49% |
1.50% |
$1,000.00 |
$1,000.00 |
| 3 Year CD* |
| 1.74% |
1.75% |
$1,000.00 |
$1,000.00 |
| 4 Year CD* |
| 1.98% |
2.00% |
$1,000.00 |
$1,000.00 |
| 5 Year CD* |
| 2.33% |
2.36% |
$1,000.00 |
$1,000.00 |
*Early withdrawal penalties may apply. Withdrawal of interest will affect APY. Fees may reduce earnings.
| Variable Rate Accounts |
INTEREST
RATE
|
ANNUAL
PERCENTAGE YIELD
|
REQUIRED MINIMUM
BALANCE TO EARN APY
|
REQUIRED MINIMUM
BALANCE TO OPEN
|
| iMoneyMarket* |
| 0.25% |
0.25% |
$9,999.99 or less |
$10,000.00 |
| 0.25% |
0.25% |
$10,000.00 or more |
$10,000.00 |
| iMoneyMarket Plus** |
| 0.50% |
0.50% |
$50,000.00 or less |
$10,000.00 |
| 0.50% |
0.50%
- 0.50% |
$50,000.01 - $100,000.00 |
$10,000.00 |
| 0.54% |
0.50%
- 0.53% |
$100,000.01 or more |
$10,000.00 |
| Savings (includes Moola Moola account) |
| 0.20% |
0.20% |
- |
$10.00 |
| High Yield Savings |
| 0.10% |
0.10% |
$999.99 or less |
$1,000.00 |
| 0.15% |
0.15% |
$1,000.00 - $2,499.99 |
$1,000.00 |
| 0.35% |
0.35% |
$2,500.00 - or more |
$1,000.00 |
| High Yield Relationship Savings*** |
| 0.50% |
0.50% |
$74,999.99 or less |
$100.00 |
| 1.00% |
1.00% |
$75,000.00 or more |
$100.00 |
| Checking Accounts |
| Free Checking |
| 0.00% |
0.00% |
- |
$100.00 |
| E-Checking |
| 0.00% |
0.00% |
- |
$100.00 |
| Relationship |
| 0.10% |
0.10% |
$2,500.00 or more |
$100.00 |
| Loyalty |
| 0.10% |
0.10% |
$9,999.99 or less |
$100.00 |
| 0.15% |
0.15% |
$10,000.00 - $49,999.99 |
$100.00 |
| 0.25% |
0.25% |
$50,000.00 - $99,999.99 |
$100.00 |
| 0.40% |
0.40% |
$100,000.00 or more |
$100.00 |
| Business Accounts |
| Business Money Market |
| 0.10% |
0.10% |
$2,499.99 or less |
$10.00 |
| 0.15% |
0.15% |
$2,500.00 or more |
$10.00 |
| Business iMoneyMarket Plus** |
| 0.50% |
0.50% |
$50,000.00 or less |
$10,000.00 |
| 0.50% |
0.50%
- 0.50% |
$50,000.01 - $500,000.00 |
$10,000.00 |
| Business Savings |
| 0.20% |
0.20% |
- |
$10.00 |
| Business NOW Checking |
| 0.10% |
0.10% |
$2,499.99 or less |
$10.00 |
| 0.15% |
0.15% |
$2,500.00 or more |
$10.00 |
| Basic Business Checking |
| 0.00% |
0.00% |
- |
$100.00 |
| Premium Business Checking Account Analysis |
| 0.00% |
0.00% |
- |
$100.00 |
Interest Rates are variable and may change after account is opened. Fees may reduce earnings.
iMoneyMarket and iMoneyMarket Plus Accounts Annual Percentage Yield (APY) is a tiered, indexed, variable rate account based on the iMoneyNet Money Fund Report AveragesTM for all taxable 7 day simple yields, a service of iMoneyNet, and is determined weekly.
*iMoneyMarket - Balances below $10,000.00 have a variable APY, paid on the entire balance, and changes at bank's discretion. Balances greater than or equal to $10,000.00, are based upon the index minus .25%.
**iMoneyMarket Plus - Balances below $50,000.01 have a variable APY, paid on the entire balance, and earn interest based upon the index rate. Balances between $50,000.01 and $100,000.00, earn interest based upon the index plus .25% which applies to only those balances within the tier. Balances $100,000.01 or more earn interest based upon the index plus .50% which applies to only those balances within the tier.
iMoneyMarket Plus (personal) and Money Market Savings accounts require a companion checking account.
***High Yield Relationship Savings account requires a checking account with a reoccurring automatic deposit (payroll or government benefits).
| Fixed Rate IRA Certificates of Deposit |
INTEREST
RATE
|
ANNUAL
PERCENTAGE YIELD
|
REQUIRED MINIMUM
BALANCE TO EARN APY
|
REQUIRED MINIMUM
BALANCE TO OPEN
|
| 13 Month CD Special* |
| 1.74% |
1.75% |
$2,500.00 |
$2,500.00 |
| 24 Month CD Special* |
| 1.98% |
2.00% |
$2,500.00 |
$2,500.00 |
| 6 Month IRA CD* |
| 0.95% |
0.95% |
$500.00 |
$500.00 |
| 1 Year IRA CD* |
| 1.29% |
1.30% |
$500.00 |
$500.00 |
| 2 Year IRA CD* |
| 1.49% |
1.50% |
$500.00 |
$500.00 |
| 3 Year IRA CD* |
| 1.74% |
1.75% |
$500.00 |
$500.00 |
| 4 Year IRA CD* |
| 1.98% |
2.00% |
$500.00 |
$500.00 |
| 5 Year IRA CD* |
| 2.33% |
2.36% |
$500.00 |
$500.00 |
*Early withdrawal penalties may apply. Withdrawal of interest will affect APY. Fees may reduce earnings.
| Variable Rate IRA Accounts |
INTEREST
RATE
|
ANNUAL
PERCENTAGE YIELD
|
REQUIRED MINIMUM
BALANCE TO EARN APY
|
REQUIRED MINIMUM
BALANCE TO OPEN
|
| IRA Access Savings |
| 0.20% |
0.20% |
$10.00 |
$10.00 |
*Early withdrawal penalties may apply. Withdrawal of interest will affect APY. Fees may reduce earnings.
| Variable Rate Health Savings Accounts (HSA) |
INTEREST
RATE
|
ANNUAL
PERCENTAGE YIELD
|
REQUIRED MINIMUM
BALANCE TO EARN APY
|
REQUIRED MINIMUM
BALANCE TO OPEN
|
| Health Savings Account* |
| 0.10% |
0.10% |
$1,000 or less |
$100.00 |
| 0.15% |
0.15% |
$1,000.01 - $2,500 |
$100.00 |
| 0.25% |
0.25% |
$2,500.01 - $5,000 |
$100.00 |
| 0.25% |
0.25% |
$5,000.01 - $10,000 |
$100.00 |
| 0.50% |
0.50% |
$10,000.01 or more |
$100.00 |
*Interest rates are variable and may change after account is opened. Fees may reduce earnings. HSA rules apply. Contact us for more information.
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