Consumer Deposit Rates
Rate information is current as of: January 5, 2009
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 | 0.10% | 0.10% | N/A | | Beyond Rewards Checking* | N/A | 0.20% | 0.20% | 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+ | 1.24% | 1.25% | $0 | | IRA Savings | N/A | 1.14% | 1.15% | $10 |
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 | 1.00% | 1.00% | | | $50,000 - $74,999 | 1.24% | 1.25% | | | $75,000+ | 1.49% | 1.50% | | | Beyond Rewards Money Market** | $10,000 - $24,999 | 1.24% | 1.25% | $2,500 | | $25,000 - $49,999 | 1.49% | 1.50% | | | $50,000 - $74,999 | 1.74% | 1.75% | | | $75,000+ | 1.98% | 2.00% | |
*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 | 2.96% | 3.00% | $500 | | 24 Month Flex CD* | 2.96% | 3.00% | $500 | | 36-41 Month Flex CD* | 2.96% | 3.00% | $500 | | 6 - 11 Month | 1.49% | 1.50% | $500 | | 12 - 23 Month | 1.98% | 2.00% | $500 | | 24 - 35 Month | 2.23% | 2.25% | $500 | | 36 - 47 Month | 2.47% | 2.50% | $500 | | 48 - 59 Month | 2.96% | 3.00% | $500 | | 60+ Month | 2.96% | 3.00% | $500 |
*Not available as an IRA. Upgraded rate available once during initial Flex CD term. New rate applies for remainder of original term. One-time, penalty-free withdrawal limited up to 25% of principal balance.
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