Consumer Deposit Rates
Rate information is current as of: August 15, 2008
Rates are subject to change without notice. Please read the Information Concerning Your Personal Accounts brochure for complete account details.
Checking Accounts
| Product | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit | | Beyond Free Checking | N/A | N/A | N/A | N/A | | Beyond Interest Checking | N/A | 0.15% | 0.15% | N/A | | Beyond Rewards Checking* | N/A | 0.25% | 0.25% | N/A | | Be Free Checking (student checking) | N/A | N/A | N/A | N/A |
Savings Accounts
| Product | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit | | Beyond Savings | $0 - $2,499 | 0.45% | 0.45% | $0 | | $2,500 - $4,999 | 0.35% | 0.35% | $0 | | $5,000 - $9,999 | 0.40% | 0.40% | $0 | | $10,000+ | 0.50% | 0.50% | $0 | | Beyond Rewards Savings* | $0 - $4,999 | 1.00% | 1.00% | $0 | | $5,000+ | 1.74% | 1.75% | $0 |
*Requires a Beyond Rewards Checking Account. Club Accounts| Product | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Minimum Opening Amount | | Christmas Club | N/A | 1.49% | 1.50% | $10 | | Winter Club | N/A | 1.49% | 1.50% | $10 | | Summer Club | N/A | 1.49% | 1.50% | $10 | | Back to School Club | N/A | 1.49% | 1.50% | $10 |
Money Market Account
| Product | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit | | Beyond Money Market* | $2,500 - $24,999 | 1.00% | 1.00% | $2,500 | | $25,000 - $49,999 | 1.29% | 1.30% | | | $50,000 - $74,999 | 1.49% | 1.50% | | | $75,000+ | 1.98% | 2.00% | | | Beyond Rewards Money Market** | $10,000 - $24,999 | 1.74% | 1.75% | $2,500 | | $25,000 - $49,999 | 1.98% | 2.00% | | | $50,000 - $74,999 | 1.98% | 2.00% | | | $75,000+ | 2.23% | 2.25% | |
*Accounts earn interest for each day that the $2,500 minimum daily balance is maintained. **Accounts earn interest for each day that the $10,000 minimum daily balance is maintained. If you have a Beyond Rewards Checking Account with direct deposit or a mortgage with St. Mary's, you are eligible to open a Beyond Rewards Money Market Account. Monthly Service Fee applies if balance drops below the minimum balance requirement. Fees may reduce the earnings on all of the above accounts. Certificates of Deposit (CDs) & Individual Retirement Accounts (IRAs)| Product | Interest Rate* | Annual Percentage Yield (APY) | Minimum Opening Deposit | | 18 Month Promotion | 3.44% | 3.50% | $500 | | 6 - 11 Month | 2.47% | 2.50% | $500 | | 12 - 23 Month | 2.81% | 2.85% | $500 | | 24 - 35 Month | 3.54% | 3.60% | $500 | | 36 - 47 Month | 3.63% | 3.70% | $500 | | 48 - 59 Month | 3.68% | 3.75% | $500 | | 60+ Month | 3.83% | 3.90% | $500 | | IRA Savings | 1.14% | 1.15% | $10 | | 24 Month Variable Rate IRA only | 1.54% | 1.55% | $500 |
*Interest rates for CDs and CD IRAs are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal. Annual Percentage Yield (APY) is accurate for all accounts listed, as of date above and subject to change without notice. Fees may reduce earnings. Variable rate may change after account is opened.
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