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Business Savings

Nonpersonal Savings

Effective Date: Sunday, December 23, 2012
AmountDividend/Interest RateAnnual Percentage Yield*
All balances0.05%0.05%

Interest Checking

Effective Date: Sunday, December 23, 2012
AmountDividend/Interest RateAnnual Percentage Yield*
$5,000.00 and up0.05%0.05%

Money Market 

Effective Date: Sunday, December 23, 2012
AmountDividend/Interest RateAnnual Percentage Yield*
$0.01 - $29,999.990.05%0.05%
$30,000.00 - $99,999.990.10%0.10%
$100,000.00 and up0.15%0.15%

CD

Effective Date: Wednesday, February 22, 2017
AccountAmountInterest RateAnnual Percentage Yield*
CD/IRA CD
3 - 5 Months$500 - $9,999.990.15%0.15%
$10,000 - $24,999.990.20%0.20%
$25,000 and up0.25%0.25%
6 - 11 Months$500 - $9,999.990.30%0.30%
$10,000 - $24,999.990.35%0.35%
$25,000 and up0.40%0.40%
12 - 23 Months$500 - $9,999.990.70%0.70%
$10,000 - $24,999.990.70%0.70%
$25,000 and up0.70%0.70%
24 - 35 Months$500 - $9,999.991.20%1.21%
$10,000 - $24,999.991.20%1.21%
$25,000 and up1.25%1.25%
36 - 47 Months$500 - $9,999.991.30%1.31%
$10,000 - $24,999.991.40%1.41%
$25,000 and up1.45%1.46%
48 - 59 Months$500 - $9,999.991.50%1.51%
$10,000 - $24,999.991.50%1.51%
$25,000 and up1.55%1.56%
60 - 72 Months$500 - $9,999.991.75%1.76%
$10,000 - $24,999.991.80%1.81%
$25,000 and up1.85%1.87%
Save to Win CDN/A0.55%0.55%
Minimal balance $25. Add to at any time. For every $25 increase in balance, earn one entry into monthly drawings and annual drawing for 10 grand prizes of $10,000.
Select Saver CD - 1 yearN/A0.30%0.30%
Select Saver CD - 2 yearN/A0.70%0.70%
Select Saver CDs may be added to at any time with deposits of at least $10. $50 minimum opening balance and maximum amount that can be deposited of $2,500.
$500 minimum opening deposit.

Business Credit Card

Effective Date: Sunday, December 23, 2012
Minimum Amount to FinanceProgram NameMonthly Periodic RateAnnual Percentage Rate (APR)Balance Transfer APRCash Advance APR
5,000Business VISA® Platinum Rewards0.91%10.90% Variable*10.90%10.90%
*Your ANNUAL PERCENTAGE RATE may vary quarterly based on the Prime Rate reported in the "Money Rates" column of the Wall Street Journal on the third Tuesday of March, June, September, and December. Any increase or decrease in the ANNUAL PERCENTAGE RATE will be effective on the first day of the billing period following the month in which the rate is calculated. The ANNUAL PERCENTAGE RATE will be equal to the prime rate plus 5.9%. An increase in the prime rate will result in an increase in the finance charge, minimum periodic payment and outstanding balance. The ANNUAL PERCENTAGE RATE will never be above 18.0% nor below 10.9%.



CREDIT CARD DISCLOSURES

Variable Rate Information

Your ANNUAL PERCENTAGE RATE may vary.

Grace Period for Repayment of the Balance for Purchases

You have 25 days from the closing date to repay your balance before a finance charge on purchases will be imposed.

Method of Computing the Balance for Purchases

Average daily balance method (including current transactions)

Non-Sufficient Funds (NSF) Fee

$35.00 NSF Fee if your check, automatic payment, or other payment instrument is returned for non-sufficient funds.

Minimum Finance Charge

$0.00

Fee for Exceeding your Credit Limit

$0.00

International Transaction Fee Transactions in a foreign country will be converted to U.S. dollars in accordance with applicable VISA® operating regulations for international transactions, plus one percent.
LATE FEE

Business VISA® Platinum Rewards

$35.00 late fee if payment is received 10 days after payment is due.

ANNUAL FEE

Business VISA® Platinum Rewards

$50.00