Rates - Effective August 18, 2008
Rewards Checking
| Balance | Interest Rate | APY* |
|---|
| $0.01 to $25,000 | 4.90% | 5.01% |
|---|
| $25,000 and above | 1.24% | 1.25% |
|---|
| Don't Meet Requirements | 0.30% | 0.30% |
|---|
- Personal accounts only
- See Terms Information
- $100 minimum to open.
- No minimum balance required to earn interest, no service charges, unlimited check writing & debit card use, and FREE ATM usage, anywhere, anytime (other bank surcharges will be rebated to your CBPH checking acct.)
- To earn the high interest rates, you must also use these three beneficial services: (1) Have a direct deposit or automatic debit, (2) get e-mail statements, and (3) use your free debit card 10 times per month for purchases. A minimum interest rate (0.30% APY) will be paid on Rewards Checking even if the requirements are not met. Aggregate balances of $25,000 or more will have a blended interest rate on the monthly statement.
Personal Checking Accounts
| | Interest Rate | APY* |
|---|
| Low Minimum Interest Checking | 0.25% | 0.25% |
|---|
| VIP Interest Checking | 0.25% | 0.25% |
|---|
| 50+ Interest Checking | 0.25% | 0.25% |
|---|
| Wall Street Checking - deposits up to $2500 | 0.25% | 0.25% |
|---|
| Wall Street Checking - deposits over $2500 | 1.25% | 1.26% |
|---|
- See brochures for terms and minimum balances, if any, required to avoid service charges.
- $100 minimum to open all accounts.
Business Checking Accounts
| | Interest Rate | APY* |
|---|
| Business Interest Checking** | 0.25% | 0.25% |
|---|
| Commercial Checking*** | 0.00% | 0.00% |
|---|
| Free Business Checking**** | 0.00% | 0.00% |
|---|
- See our Brochure for terms and service charges, if any.
- **Sole Proprietors and Not-For-Profit Organizations only.
- ***Earnings credit allowance on deposit balances may offset activity fees.
- ****500 free monthly transactions including deposits, checks deposited, and checks paid. Just $.25 each over 500.
Savings Accounts
| | Interest Rate | APY* |
|---|
| Statement Savings** | 0.51% | 0.51% |
|---|
| KA$H Club*** | 0.51% | 0.51% |
|---|
| Premier Money Management**** | 1.46% | 1.47% |
|---|
- Limited withdrawals - see our terms brochures.
- **Personal and Business. $50 minimum to open & to earn interest.
- ***For kids thru age 14. No minimum to open (Parent, grandparent or guardian required on the acct)
- ****Personal and business. Rate valid thru 6/30/08. Premier Money Management interest rates may change weekly and are 1/4% below the previous 13 week U.S. Treasury Bill index rate as published in the Wall Street Journal. The minimum balance to open is $10,000. If the balance falls below $10,000, there is a $25 per month service change. Withdrawals are allowed on the 2nd and 4th Wednesdays of each month. Other withdrawals have a $25 fee.
Money Market (Personal and Business)
| Balance | Interest Rate | APY* |
|---|
| $1,000 to $24,999.99 | 0.55% | 0.55% |
|---|
| $25,000 to $49,999.99 | 1.01% | 1.01% |
|---|
| $50,000 and above | 1.19% | 1.20% |
|---|
- Interest Rate & APY are calculated daily on the full balance.
- Limited transfers and withdrawals.
- See our terms information.
- The minimum balance of $1,000 is required to earn interest & $1,000 is required to open.
- A $1,000 daily balance is required to avoid a service charge of $10 per month.
Certificates of Deposit
| | Interest Rate | APY* |
|---|
| 30 Days | 1.20% | 1.21% |
|---|
| 90 Days | 1.78% | 1.79% |
|---|
| 6 Months | 2.22% | 2.24% |
|---|
| 1 Year | 2.77% | 2.80% |
|---|
| 2 Years | 3.02% | 3.05% |
|---|
| 3 Years | 3.21% | 3.25% |
|---|
| 4 Years | 3.31% | 3.35% |
|---|
- $500 minimum deposit requirement.
- Substantial early withdrawal penalties may apply to all certificates of deposit including IRAs.
- Ask about CDARS (Certificate of Deposit Account Registry Service) for weekly Rate and APY quotes ($10,000 minimum) - up to $50 million FDIC insurance with CDARS.
- All CD's & IRA's that have interest added to principal, compound quarterly.
- IRA's are only available for terms of one year or more.
Rate Watcher CD's
| | Interest Rate | APY* |
|---|
| 15 Months | 2.87% | 2.90% |
|---|
| 27 Months | 3.11% | 3.15% |
|---|
- If our rates go up on the Rate Watcher during the term, you are allowed one rate increase during the same term. You must notify the Bank to request the rate increase.
- $5,000 minimum deposit requirement.
- Substantial early withdrawal penalties may apply to all certificates of deposit including IRAs.
- Ask about CDARS (Certificate of Deposit Account Registry Service) for weekly Rate and APY quotes ($10,000 minimum) - up to $50 million FDIC insurance with CDARS.
- All CD's & IRA's that have interest added to principal, compound quarterly.
- IRA's are only available in 1-4 year terms.
CDARS (Certificate of Deposit Account Registry Service)
| Maturity | Interest Rate | APY* | Interest Rate | APY* | Interest Rate | APY* | Interest Rate | APY* |
|---|
| | $10,000 to $24,999 | $25,000 to $49,999 | $50,000 to $99,999 | $100,000 and above |
|---|
| 4-weeks | 1.59% | 1.60% | 1.69% | 1.70% | 1.78% | 1.80% | 1.88% | 1.90% |
|---|
| 13-weeks | 2.08% | 2.10% | 2.18% | 2.20% | 2.27% | 2.30% | 2.37% | 2.40% |
|---|
| 26-weeks | 2.37% | 2.40% | 2.47% | 2.50% | 2.57% | 2.60% | 2.66% | 2.70% |
|---|
| 52-weeks | 2.86% | 2.90% | 2.96% | 3.00% | 3.05% | 3.10% | 3.15% | 3.20% |
|---|
| 2-years (104 weeks) | 3.68% | 3.75% | 3.78% | 3.85% | 3.87% | 3.95% | 3.97% | 4.05% |
|---|
| 3-years (156 weeks) | 3.87% | 3.95% | 3.97% | 4.05% | 4.07% | 4.15% | 4.16% | 4.25% |
|---|
| 5-years (260 weeks) | 4.26% | 4.35% | 4.35% | 4.45% | 4.45% | 4.55% | 4.55% | 4.65% |
|---|
- * Annual Percentage Yield
- Rates effective August 18, 2008
- Substantial penalty for early withdrawal.
- Up to $50 million in FDIC insurance in network banks!
- *Annual Percentage Yield (APY) is the effective annual rate of return taking in to account the effect of compounding interest. Please refer to our Truth-In Savings Disclosure statements for each specific account before making your deposit. Unless specified in the terms, interest rates may change at Bank management's discretion. Fees could reduce the earnings on interest bearing accounts. Community Bank of Pleasant Hill also has FREE online banking, FREE telephone banking, FREE bill pay, and FREE Debit / ATM card usage anywhere, anytime - for all personal & business checking accounts. (ATM surcharges, if any, will be rebated to your Community Bank of Pleasant Hill checking account)
