| |
|
Rates Effective as of January 23, 2008
Certificates of Deposit*
N/A = Not Available At This Time
|
|
Term
|
Min. Balance
to Open
|
Min. Balance
to Receive
APY**
|
APY* on
Existing Deposits
|
New Money Bonus
APY**
|
|
30 Day
|
N/A
|
N/A
|
N/A
|
N/A
|
|
60 Day
|
N/A
|
N/A
|
N/A
|
N/A
|
|
90 Day
|
$1,000.00
|
$1,000.00
|
3.00%
|
3.00%
|
|
120 Day
|
N/A
|
N/A
|
N/A
|
N/A
|
|
180 Day
|
$1,000.00
|
$1,000.00
|
3.75%
|
3.75%
|
|
270 Day
|
N/A
|
N/A
|
N/A
|
N/A
|
|
12 Month
|
$1,000.00
|
$1,000.00
|
3.75%
|
3.75%
|
|
18 Month
|
$1,000.00
|
$1,000.00
|
3.75%
|
3.75%
|
|
24 Month
|
$1,000.00
|
$1,000.00
|
3.75%
|
3.75%
|
|
30 Month
|
$1,000.00
|
$1,000.00
|
3.50%
|
3.50%
|
|
36 Month
|
$1,000.00
|
$1,000.00
|
3.50%
|
3.50%
|
|
48 Month
|
$1,000.00
|
$1,000.00
|
3.50%
|
3.50%
|
|
60 Month
|
$1,000.00
|
$1,000.00
|
3.50%
|
3.50%
|
* Penalty for early withdrawal
**APY = Annual Percentage Yield
|
January 23, 2008
Individual Retirement Account*
N/A = Not Available At This Time
|
|
Term
|
Min. Balance
to Open
|
Min. Balance
to Receive
APY**
|
APY* on
Existing Deposits
|
New Money Bonus
APY**
|
|
30 Day
|
N/A
|
N/A
|
N/A
|
N/A
|
|
60 Day
|
N/A
|
N/A
|
N/A
|
N/A
|
|
90 Day
|
$1,000.00
|
$1,000.00
|
3.00%
|
3.00%
|
|
120 Day
|
N/A
|
N/A
|
N/A
|
N/A
|
|
180 Day
|
$1,000.00
|
$1,000.00
|
3.75%
|
3.75%
|
|
270 Day
|
N/A
|
N/A
|
N/A
|
N/A
|
|
12 Month
|
$1,000.00
|
$1,000.00
|
3.75%
|
3.75%
|
|
18 Month
|
$1,000.00
|
$1,000.00
|
3.75%
|
3.75%
|
|
24 Month
|
$1,000.00
|
$1,000.00
|
3.75%
|
3.75%
|
|
30 Month
|
$1,000.00
|
$1,000.00
|
3.70%
|
3.70%
|
|
36 Month
|
$1,000.00
|
$1,000.00
|
3.50%
|
3.50%
|
|
48 Month
|
$1,000.00
|
$1,000.00
|
3.50%
|
3.50%
|
|
60 Month
|
$1,000.00
|
$1,000.00
|
3.50%
|
3.50%
|
* Penalty for early withdrawal
**APY = Annual Percentage Yield
|
January 23, 2008
Checking and Savings†
|
|
|
|
|
|
Bay Interest Checking
|
|
APY**
|
|
|
|
|
|
Daily balance less than $1,000
|
|
0.00%
|
|
Daily balance $1,000 to $9,999
|
NOW Rate
|
0.55%
|
|
Daily balance $10,000 or greater
|
Bonus NOW Rate
|
1.00%
|
|
Prime Time Checking
|
|
|
|
|
|
|
|
Daily balance less than $500
|
|
0.00%
|
|
Daily balance $500 to $9,999
|
PTC Rate
|
0.55%
|
|
Daily balance $10,000 or greater
|
Bonus PTC Rate
|
1.00%
|
|
Non-Personal NOW Account
|
|
|
|
|
|
|
|
Daily balance $2,500 or greater
|
NOW Rate
|
0.55%
|
|
Bay Money Market Investors Account
|
|
|
|
|
|
|
|
Daily balance less than $2,500
|
|
0.00%
|
|
Daily balance $2,500, to $9,999
|
MMA Rate
|
1.00%
|
|
Daily balance $10,000 to $14,999
|
Bonus MMA Rate
|
1.15%
|
|
Daily balance $15,000 to $49,999
|
Prime MMA Rate
|
1.75%
|
|
Daily balance $50,000 to $99,999
|
Premium MMA Rate
|
2.25%
|
|
Daily balance $100,000 and over
|
Platinum MMA Rate
|
2.50%
|
|
Bay Business Money Market Account
|
|
|
|
|
|
|
|
Daily balance less than $5,000
|
|
1.00%
|
|
Daily balance $5,000 to $14,999
|
MMA Rate
|
1.15%
|
|
Daily balance $15,000 to $49,999
|
Bonus MMA Rate
|
1.75%
|
|
Daily balance $50,000 to $74,999
|
Prime MMA Rate
|
2.25%
|
|
Daily balance $75,000 to $99,999
|
Premium MMA Rate
|
2.50%
|
|
Daily balance $100,000 or greater
|
Platinum MMA Rate
|
2.60%
|
|
Bay Regular Savings
|
|
|
|
|
|
|
|
|
|
|
|
Daily balance $250 or Greater
|
|
0.50%
|
|
Bay Christmas Club Savings
|
|
|
|
|
|
|
|
|
|
|
|
Daily balance $100 or Greater
|
|
0.35%
|
† Fees may affect earnings on the account.
Rates may change after account is opened.
** APY = Annual Percentage Yield
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