Interest Rates - Effective February 15, 2013
Rewards Checking
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.01 to $10,000.00** | 1.74% | 1.75% |
| $10,000.01 to 9,999,999.99** | 0.35% | 0.35% |
| Entire balance If qualifications are not met** | 0.10% | 0.10% |
**Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of 02/7/13. Rate tiers are as follows: 1.75% APY applies to balances of $0.01 - $10,000 and 0.35% APY applies to balances over $10,000 if qualifications are met each monthly qualification cycle. Aggregate balances over $10,000 will have a blended interest rate on the monthly statement. 0.10% APY applies to all balances if monthly qualifications are not met. All balances will earn 1.75% APY – 0.35% APY if monthly qualifications are met. Rates may change any time after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. ATM withdrawals do not count as qualifying transactions. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Only one Rewards Checking account per customer. Available on personal accounts only. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.
Personal Checking
| Account | Interest Rate | APY* |
|---|---|---|
| Low Minimum Interest Checking | 0.10% | 0.10% |
| VIP Interest Checking | 0.10% | 0.10% |
| 50+ Interest Checking | 0.10% | 0.10% |
| Wall Street Checking - deposits of $0.01-$2499 | 0.10% | 0.10% |
| Wall Street Checking - deposits of $2500 or more | 0.35% | 0.35% |
*Annual Percentage Yield
The interest rate on the checking accounts can change at anytime. Click on the account name above for more details, including minimum opening deposit.
Business Checking
| Account | Interest Rate | APY* |
|---|---|---|
| Business Interest Checking | 0.10% | 0.10% |
| Commercial Checking | 0.00% | 0.00% |
| Free Business Checking | 0.00% | 0.00% |
*Annual Percentage Yield
Savings
| Account | Interest Rate | APY* |
|---|---|---|
| Statement Savings | 0.05% | 0.05% |
| KA$H | 0.05% | 0.05% |
| Premier Money Management | 0.00% | 0.00% |
*Annual Percentage Yield
The savings account interest rate can change at anytime. Click on the account name above for more details, including minimum opening deposit.
Money Market ( Personal and Business )
| Balance | Interest Rate | APY* |
|---|---|---|
| $1,000 to $24,999.99 | 0.10% | 0.10% |
| $25,000 to $49,999.99 | 0.15% | 0.15% |
| $50,000 and above | 0.20% | 0.20% |
*Annual Percentage Yield
The money market interest rate can change at anytime and does have limited withdrawals. Click on the account name above for more details, including minimum opening deposit.
Certificates of Deposit (Minimum Deposit Requirement = $500) ¹
| Type | Interest Rate | APY* |
|---|---|---|
| 30 Days | 0.15% | 0.15% |
| 90 Days | 0.15% | 0.15% |
| 6 Months | 0.20% | 0.20% |
| 1 Year | 0.30% | 0.30% |
| 2 Years | 0.35% | 0.35% |
| 3 Years | 0.70% | 0.70% |
| 4 Years | 0.70% | 0.70% |
*Annual Percentage Yield
Rate Watcher CD's (Minimum Deposit Requirement = $5,000) ¹ ²
| Type | Interest Rate | APY* |
|---|---|---|
| 15 Months | 0.25% | 0.25% |
| 27 Months | 0.35% | 0.35% |
*Annual Percentage Yield
