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Deposit Rates
Information Regarding FDIC Insurance
At Willow Financial Bank, all funds deposited into any checking account, savings account, money market account, or certificate are covered up to the maximum amount as permitted by the FDIC, which is $250,000 per depositer. Certain retirement accounts, such as Individual Retirement Accounts, are also insured up to $250,000 per depositor. These new limits will remain in effect through the end of 2009.
For more information about FDIC insurance, please visit:
http://www.fdic.gov/deposit/deposits/insuringdeposits/index.html
Deposit Rates
|
| Type of Account |
Min. Bal. to Open Account |
Min. Bal. to Earn APY |
Annual Percentage Rate |
Annual Percentage Yield |
Premier Money Market*
|
$1 |
$250,000+ |
2.47% |
2.50% |
|
|
$50,000-$249,999 |
2.10% |
2.12% |
|
|
$25,000-$49,999 |
1.78% |
1.79% |
|
|
$10,000-$24,999 |
1.27% |
1.28% |
|
|
$2,500-$9,999 |
0.35% |
0.35% |
|
|
$0-
$2,499 |
0.10% |
0.10% |
| Money Market Plus* |
$1 |
$250,000+ |
2.23% |
2.25% |
|
|
$50,000-$249,999 |
1.78% |
1.79% |
|
|
$25,000-$49,999 |
1.10% |
1.11% |
|
|
$10,000-$24,999 |
0.90%
|
0.90% |
|
|
$2,500-$9,999 |
0.20% |
0.20% |
|
|
$0-$2,499 |
0.05% |
0.05% |
| Complete Money Market** |
$1 |
$250,000+ |
2.23% |
2.25% |
|
|
$50,000-$249,999
|
1.78%
|
1.79% |
|
|
$25,000-$49,999 |
1.10%
|
1.11% |
|
|
$10,000-$24,999 |
0.90% |
0.90% |
|
|
$2,500-$9,999 |
0.20% |
0.20% |
|
|
$0-$2,499 |
0.05% |
0.05% |
| Statement Savings |
$10. |
$50. |
.25% |
.25% |
| Smart Savers Statement |
$1. |
$50. |
.25% |
.25% |
| Holiday Club |
$5. |
$5. |
.10% |
.10% |
| Vacation Club |
$5 |
$5 |
.10% |
.10% |
| Premium Business Money Market*** |
$1 |
$250,000+ |
2.47% |
2.50% |
|
|
$50,000-$249,999 |
2.10% |
2.12% |
|
|
$25,000-$49,999 |
1.78% |
1.79% |
|
|
$10,000-$24,999 |
1.27% |
1.28% |
|
|
$2,500- $9,999 |
0.35% |
0.35% |
|
|
$0-$2,499 |
0.10% |
0.10% |
| Business Money Market**** |
$10 |
$250,000+ |
2.23% |
2.25%
|
|
|
$50,000-$249,999 |
1.60% |
1.61% |
|
|
$25,000-$49,999 |
0.75% |
0.75% |
|
|
$10,000-$24,999 |
0.35% |
0.35% |
|
|
$2,500-$9,999 |
0.15% |
0.15% |
|
|
$0-$2,499 |
No interest |
No interest |
| Business Statement Savings |
$10 |
$50+ |
0.15% |
0.15% |
*$1,000 minimum balance to avoid monthly service fee of $10 **Complete Checking Account required
***$2,500 minimum balance to avoid monthly service fee of $15 (Business Checking Account required)
****$2,500 minimum balance to avoid monthly service fee of $15
Certificates
|
Type of Account
|
Interest Rate
|
Annual Percentage Yield
|
91 to 181 Days
|
1.87%
|
1.89%
|
182 to 364 Days
|
1.91%
|
1.93%
|
12 to 17 Months
|
2.06%
|
2.08%
|
18 to 23 Months
|
2.21%
|
2.23%
|
24 to 35 Months
|
2.21%
|
2.23%
|
36 to 47 Months
|
2.21%
|
2.23%
|
48 to 71 Months
|
2.21%
|
2.23%
|
72 to 95 Months
|
2.21%
|
2.23%
|
96 to 120 Months
|
2.21%
|
2.23%
|
270 Day no penalty
|
1.91%
|
1.93%
|
Minimum balance to open $500.
All rates quoted are expressed as Annual Percentage Yield (APY).
Rates effective October 14, 2008 and subject to change without notice.
Fees may reduce earnings.
CD's require a substantial penalty for early withdrawal.
Penalty may affect principal balance.
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