Advancing Independant Optometry
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Deposit Rates

Effective 11/01/11



REGULAR & IRA CERTIFICATES

  Dividend RateAPY*
Flexible Savings Certificate
6 Month Term, $500 minimum balance for APY
$500 - $24,9990.69%0.70%
$25,000 & Above0.69%0.70%
Bump-Up Savings Certificate
24-36 Month Term, $10,000 minimum balance for APY
$10,000 - $24,9990.79%0.80%
$25,000 - $89,9990.79%0.80%
$90,000 & Above1.04%1.05%
3 - 6 Month Savings Certificate
3-11 Month Term
$1,000 - $24,9990.74%0.75%
$25,000 - $49,9990.79%0.80%
$50,000 - $89,9990.84%0.85%
$90,000 - $249,9990.94%0.95%
$250,000 & Above1.04%1.05%
12 Month Savings Certificate
12-17 Month Term
$1,000 - $24,9990.84%0.85%
$25,000 - $49,9990.89%0.90%
$50,000 - $89,9990.94%0.95%
$90,000 - $249,9991.04%1.05%
$250,000 & Above1.44%1.45%
18 Month Savings Certificate
18-23 Month Term
$1,000 - $24,9990.84%0.85%
$25,000 - $49,9990.94%0.95%
$50,000 - $89,9991.04%1.05%
$90,000 - $249,9991.14%1.15%
$250,000 & Above1.49%1.50%
24 Month Savings Certificate
24-35 Month Term
$1,000 - $24,9991.09%1.10%
$25,000 - $49,9991.19%1.20%
$50,000 - $89,9991.29%1.30%
$90,000 - $249,9991.39%1.40%
$250,000 & Above1.58%1.60%
36 Month Savings Certificate
36-47 Month Term
$1,000 - $24,9991.34%1.35%
$25,000 - $49,9991.39%1.40%
$50,000 - $89,9991.49%1.50%
$90,000 - $249,9991.58%1.60%
$250,000 & Above1.73%1.75%

* APY = Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $1,000 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings. A penalty may be imposed for early withdrawal.

SAVINGS ACCOUNTS

  Dividend RateAPY*
Regular Share Savings
$100 - $499.990.25%0.25%
$500 & Above0.50%0.50%
Money Market
$2,500 - $9,9990.65%0.65%
$10,000 - $24,9990.70%0.70%
$25,000 - $49,9990.75%0.75%
$50,000 - $89,9990.80%0.80%
$90,000 - $249,9990.90%0.90%
$250,000 & Above1.20%1.20%


CHECKING ACCOUNTS

  Dividend RateAPY*
20/20 Business Checking
$1,000 - $4,9990.20%0.20%
$5,000 - $9,9990.35%0.35%
$10,000 - $39,9990.45%0.45%
$40,000 & Above0.65%0.65%
Preferred Checking
$500 & Above0.50%0.50%
Money Market Checking
$2,500 - $9,9990.65%0.65%
$10,000 - $24,9990.70%0.70%
$25,000 - $49,9990.75%0.75%
$50,000 - $89,9990.80%0.80%
$90,000 - $249,9990.90%0.90%
$250,000 & Above1.20%1.20%
HSA Checking
$500 & Above0.75%0.75%

* APY = Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $500 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings.

RETIREMENT ACCOUNTS

  Dividend RateAPY*
IRA Shares
$100 - $4990.25%0.25%
$500 & Above0.50%0.50%
IRA Money Market
$100 - $2,4990.50%0.50%
$2,500 - $9,9990.65%0.65%
$10,000 - $24,9990.70%0.70%
$25,000 - $49,9990.75%0.75%
$50,000 - $ 89,9990.80%0.80%
$90,000 - $ 249,9990.90%0.90%
$250,000 & Above1.20%1.20%
 

OTHER SAVINGS ACCOUNTS

  Dividend RateAPY*
Cookie Jar Accounts      
$100 - $499.990.25%0.25%
 $500 & Above0.50%0.50%
Young Savers Account      
$25 - $99.990.25%0.25%
 $100 & Above0.50%0.50%

* APY = Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $100 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings.

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