d INTEREST RATE SHEET Annual Percentage Yield (APY) in effect as of Nov-11-08
ACCOUNT TYPE: CHECKING AND SAVINGS ACCOUNTS
50 Plus Free Interest Checking Direct Deposit Interest Checking Tiered Interest Checking Ultimate Interest Checking Interest Business Checking Savings Account (Statement and Passbook) Ultimate Money Market Account Classic Money Market Account IRA MONEY MARKET ACCOUNTS IRA Ultimate Money Market Account1,2 IRA Money Market Account 1,2
1
Minimum Daily Balance to Avoid Service Fee
Balance Tier to Obtain APY
Interest Rate
Annual Percentage Yield
(Minimum Deposit to Open is $50.00) N/A N/A $ $ $ $
1,2
$0.01 and over $0.01 and over $0.01 - $2,499.99 $2,500.00 and over $0.01 - $99,999.99 $100,000.00 and over $0.01 and over $0.01 and over
0.25% 0.25% 0.25% 0.50% 0.50% 3.69% 0.25% 0.50% 3.69% 0.50% 3.69% 0.50% 3.69%
0.25% 0.25% 0.25% 0.50%
1,000.00 10,000.00 500.00 300.00
0.50% 3.75%
0.25% 0.50%
PERSONAL AND BUSINESS MONEY MARKET ACCOUNTS
(Minimum Deposit to Open is $100.00) $ $ 10,000.00 2,500.00 $0.01 and over $0.01 and over 3.75% 0.50%
$ $
10,000.00 250.00
$0.01 and over $0.01 - $9,999.99 $10,000.00 and over
3.75% 0.50% 3.75%
FIXED RATE CERTIFICATES OF DEPOSIT
3
(Minimum Deposit to Open is $10,000.00)
TERM: 3 months * * This product is no longer offered effective 09/30/2008. Please call 800-555-5710 for alternative product recommendations. 3.93% 3.93% 4.00% 4.00% 3.93% 4.00% 6 months 4.17% 4.17% 4.25% 4.17% 4.25% 4.25% 1 year 3.00% 2.96% 2.96% 3.00% 3.00% 2.96% 18 months 3.00% 2.96% 3.00% 3.00% 2.96% 2.96% 2 years 3.00% 2.96% 3.00% 3.00% 2.96% 2.96% 30 months 3.25% 3.30% 3.25% 3.30% 3.25% 3.30% 3 years 3.45% 3.40% 3.45% 3.40% 3.45% 3.40% 4 years 3.45% 3.40% 3.45% 3.45% 3.40% 3.40% 5 years
Regular Certificates Balances from $10,000.00 - $99,999.99 Annual Interest Rate Percentage Yield
Jumbo Certificates Balances from $100,000.00 and over Annual Interest Rate Percentage Yield
IRA Certificates Balances from $10,000.00 - $99,999.99 Annual Interest Rate Percentage Yield
IRA Jumbo Certificates Balances from $100,000.00 and over Annual Interest Rate Percentage Yield
3.93% 4.17% 2.96% 2.96% 2.96% 3.25% 3.40% 3.40%
4.00% 4.25% 3.00% 3.00% 3.00% 3.30% 3.45% 3.45%
Member FDIC
d INTEREST RATE SHEET Annual Percentage Yield (APY) in effect as of Nov-11-08 The maximum deposit household relationship limit across all personal and business accounts is $1,000,000.
Add-On IRA Certificates of Deposit 3
(Minimum Deposit to Open is $250.00. Additional deposits allowed at any time in the amount of $100 or more)
Balances from $0.01 - $99,999.99 Annual Interest Rate Percentage Yield 0.67% 0.67% 0.78% 0.78%
Balances from $100,000.00 and over Annual Interest Rate Percentage Yield 0.67% 0.67% 0.78% 0.78%
TERM: 1 year 2 years
Add-On IRA Certificates Add-On IRA Certificates
The maximum deposit household relationship limit across all personal and business accounts is $1,000,000. Please call our Telephone Banking Center at 1-800-555-5710 or visit a Retail Banker at any branch office for additional information. IMPORTANT INFORMATION FOR ALL ACCOUNT TYPES
A) 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 (366-day period for leap year). B) We use the daily balance method to calculate the interest on your account and determine the minimum balance to obtain the APY. This method applies a daily periodic rate to the principal in the account each day. Accrued interest will not be credited on accounts that are closed prior to their statement cycle date. Fees could reduce earnings on accounts. C) All accounts are variable rate accounts, with the exception of Fixed Rate Certificates of Deposit. As such, the interest rate and APY on all accounts, with the exception of Fixed Rate Certificates of Deposit, may change daily at our discretion.
FOOTNOTES:
1. Transaction Limitations Apply 2. Limited Check Access 3. Penalty for Early Withdrawal
Important Note:
This document is to be used in conjuction with other available disclosure information about our accounts. Additional disclosure information is available upon request from a Retail Banker.
Member FDIC