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White Rock Bank
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Rates
Certificate Rates
05/02/08
Certificate of Deposit Rates
|
| Term |
Interest Rate |
APY (Annual Percentage Yield) |
Minimum Deposit |
| 91 Day |
2.15% |
2.17% |
$500.00 |
| 182 Day |
2.25% |
2.26% |
$500.00 |
| 12 Month |
2.55% |
2.58% |
$500.00 |
| 18 Month |
2.70% |
2.73% |
$500.00 |
| 24 Month |
2.75% |
2.78% |
$500.00 |
| 30 Month |
3.00% |
3.03% |
$500.00 |
| 36 Month |
3.25% |
3.29% |
$500.00 |
| 48 Month |
3.40% |
3.44% |
$500.00 |
| 36 Month Adj |
3.25% |
3.29% |
$2,000.00 |
| 60 Month Adj |
3.75% |
3.80% |
$5,000.00 |
| Interest is compounded quarterly on CD's except on 91 and 182 days. |
| Substantial penalty imposed for early withdrawal |
| Rates may change without notice |
| On 36 Month Adj interest rate can be increased one time during each 36 month term |
| On 60 Month Adj interest rate can be increased two times during each 60 month term |
IRA Rates
|
| Term |
Interest Rate |
APY (Annual Percentage Yield) |
|
| 12 Month IRA |
2.75% |
2.78% |
|
| 18 Month IRA |
3.00% |
3.03% |
|
| 30 Month IRA |
3.25% |
3.29% |
|
| 60 Month IRA |
3.75% |
3.80% |
|
| Rates may change without notice |
| Interest compounds quarterly |
| Substantial penalty for early withdrawal may be charged if under age 59 1/2 years old |
| We offer Traditional, Roth, Simple IRAs, Coverdell Education Savings Accounts and SEP Plans |
Deposit Rates
05/02/08
Interest+ Checking & Select 55+ Checking
|
| Average Daily Balance |
Rate |
APY (Annual Percentage Yield) |
|
| $999.99 or less |
.15% |
.15% |
|
| $1,000.00-$2,499.99 |
.25% |
.25% |
|
| $2,500.00-$9,999.99 |
.35% |
.35% |
|
| $10,000-$24,999.99 |
.45% |
.45% |
|
| $25,000-$49,999.99 |
.50% |
.50% |
|
| $50,000 or more |
.60% |
.60% |
|
| Service Fee will be imposed every statement cycle on Interest + accounts if average balance falls below $1,000 |
| Fees may reduce earnings on account |
| Rates may change without notice |
| Rates based on daily balance method |
Money Market Savings Accounts
|
| Average Daily Balance |
Rate |
APY (Annual Percentage Yield) |
|
| $3,999.99 or less |
.50% |
.50% |
|
| $4,000.00-$24,999.99 |
.75% |
.75% |
|
| $25,000.00 or more |
1.50% |
1.51% |
|
| Service charge imposed every statement cycle if average balance falls below $2,500 |
| Fees may reduce earnings on account |
| Rates may change without notice |
| Rates based on daily balance method |
Savings Accounts
|
| Accounts |
Average Balance |
Minimum Balance to Obtain APY |
APY (Annual Percentage Yield) |
| Thrifty |
$50 |
$100 |
0.15% |
| Regular |
$100 |
$5 |
0.40% |
| Service charge imposed each month if balance falls below average balance. |
| Fees may reduce earnings on account |
| Rates may change without notice |
| Rates based on daily balance method |
| Member FDIC |
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