Current Deposit Rates for Personal Accounts
Effective as of January 18, 2012
Consumer Interest
Checking & Money Market Accounts | EcoEarnings Checking | Market Access |
|---|
| Balance Tiers |
Interest
Rate |
APY * |
Interest
Rate |
APY * |
| $0 - $9,999 |
0.10% |
0.10% |
0.10% |
0.10% |
| $10,000 - $24,999 |
0.10% |
0.10% |
0.10% |
0.10% |
| $25,000 - $99,999 |
0.10% |
0.10% |
0.10% |
0.10% |
| $100,000 - $999,999 |
0.15% |
0.15% |
0.15% |
0.15% |
| $1MM Plus |
0.20% |
0.20% |
0.20% |
0.20% |
| Savings Accounts | Save 1st |
|---|
| Balance Tiers |
Interest
Rate |
APY * |
| $0 - $9,999 |
0.15% |
0.15% |
| $10,000 - $24,999 |
0.15% |
0.15% |
| $25,000 - $99,999 |
0.15% |
0.15% |
| $100,000 Plus |
0.20% |
0.20% |
| Certificates of Deposits (CD) | 6 months | 12 months | 24 months |
|---|
| Balance Tiers |
Interest
Rate |
APY * |
Interest
Rate |
APY * |
Interest
Rate |
APY * |
| $1,000 - $24,999 |
0.20% |
0.20% |
0.50% |
0.50% |
0.90% |
0.90% |
| $25,000 - $75,000 |
0.20% |
0.20% |
0.50% |
0.50% |
0.90% |
0.90% |
Traditional, Roth, Education Savings & Simple IRA Accounts
| Consumer | 1-Year Flexible CD | 1-Year IRA CD | 2-Year IRA CD | 3-Year IRA CD |
|---|
| Balance Tiers |
Interest
Rate |
APY * |
Interest
Rate |
APY * |
Interest
Rate |
APY * |
Interest Rate |
APY* |
| $1,000 - $99,999 |
0.25% |
0.25% |
0.50% |
0.50% |
0.90% |
0.90% |
1.00% |
1.00% |
| $100,000 Plus |
0.30% |
0.30% |
0.55% |
0.55% |
1.00% |
1.01% |
1.10% |
1.11% |
* APY = Annual Percentage Yield
| Important Notes: This document is used in conjunction with other disclosure information about your accounts. All accounts listed except Certificates are variable rate accounts. As such, the interest rate may change at any time. Interest Rates and Annual Percentage Yields (APY)s are subject to change. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365 day period. The APY is determined using the daily collected balance method. The APY assumes that interest will remain on deposit until maturity. If interest is withdrawn prior to maturity, earnings will be reduced. Fees could reduce the earnings on these accounts. Certificate accounts may have a substantial penalty for early withdrawal. |
| ** 1-Year Flexible CD- No penalty on early withdrawal of up to one half of principal in first 6 months. After 6 months, penalty is 30 days interest. |
