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Byron Bank - Annual Percentage Yields (APY)
& Interest Rates

Account Type Minimum Balance Required Interest Rate % APY %
Christmas Club $5.00 1.00 1.00
Instant Savings** $100.00 .25 .25
Now Account** $1,000.00 .15 .15
Super Now** $2,500.00 .25 .25


Investor savings

Minimum Balance Interest Rate % APY %
$0-$24,999 .25 .25
$25,000-$49,999 .40 .40
$50,000-$99,999 .60 .60
$100,000-$199,999 .75 .75


Money Market Accounts
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Minimum Balance Interest Rate % APY %
$2,500- $24,999 .30 .30
$25,000-$99,999 .40 .40
$100,000 and over` .55 .55

health savings accounts
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Minimum Balance Interest Rate % APY %
$0 - $2,999 .25 .25
$3,000 - $9,999 .35 .35
$10,000 and over .55 .55

Certificate of Deposit Accounts & Fixed Rate IRAs
-Click for more information-

Minimum Deposit $1,000.00 $25,000.00 $50,000.00
Term Rate % APY % Rate % APY % Rate % APY %
30 Days

.25

 .25 .35 .35 .45 .45
91 Days
.40
.40
.50
.50
.60
 .60
182 Days .60 .60 .70 .70 .80 .80
1 Year .90 .90 1.00 1.00 1.10 1.10
2 Years 1.30 1.31 1.40 1.41 1.50 1.51
3 Years 1.70 1.71 1.80 1.81 1.90 1.91
4 Years 2.05 2.07 2.15 2.17 2.25 2.27
5 Years 2.35 2.37 2.45 2.47 2.55 2.57

$500 minimum deposit for CD\term 1-2-3-4-5 years

APY same as $1,000 CD.
Interest is compounded & paid quarterly, except for 30 to 90 day maturity.
Funds withdrawn prior to maturity are penalized.
Penalty for early withdrawal:
30 days int - maturity of 1 yr or less
90 days int - maturity of more than 1 year.


Individual Retirement Accounts (IRAs)
-1 year and longer
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  $1,000.00 $50,000.00 $100,000.00
  Rate % APY % Rate % APY % Rate % APY %
.25 .25 .60 .60 .85 .85
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

Your earnings on these accounts may be reduced by fees charged.