Rates

Rate Sheet as of 6-30-2010
Rates subject to change.  Fees may reduce earnings. 

Personal Account Deposit Rates

Minimum Amount to Open an Account is $100.00

*4.14% Annual Percentage Yield for totalACCESS Checking is paid on daily collected balances up to and equaling $25,000 as long as account qualifiers are met.  To qualify, account must receive a monthly direct deposit, must have a minimum of 10 debit card purchases per month, and must receive statements electronically.  If account qualifiers are not met, the account is paid an APY of 0.25% up to and equaling $25,000.  All balances that exceed $25,000 are paid an APY of 1.00%.  Rates are subject to change without notice.  Rate is valid as of 6-30-2010.  Fees may reduce earnings.  Statement cycles on the last business day of every month. Learn more about totalACCESS Checking.

Personal ACCESSmoneymarket Account Deposit Rates

Minimum Amount to Open an Account is $1,000.00

Business Account Deposit Rates

Minimum Amount to Open an Account is $500.00

Business ACCESSmoneymarket Account Deposit Rates

Minimum Amount to Open an Account is $1,000.00

Business Partner Money Market Account Deposit Rates

Minimum Amount to Open an Account is $1,000.00

 *1,000 minimum balance. $20 per month service charge if money market falls below minimum balance requirement. Fees may reduce earnings. To earn bonus annual percentage yield of 2.50%, business needs to open and utilize a qualifying business checking account at ACCESSbank. Business accounts, new accounts and new money only. One Business Money Market Account allowed per business. Rate is valid as of 6-30-2010.

ACCESScd Certificates of Deposit

Minimum Amount to Open an Account is $1,000.00

ACCESScd Special for New Money

Opening balance of $1,000.00 or more required to earn special rate. At maturity special will renew to the same term.

Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. CDs are automatically renewed at maturity and include a 10 day grace period. Rates effective as of the current business day. All rates are subject to change without notice. Additional terms and conditions may apply. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.

 On October 3, 2008 The Federal Deposit Insurance Corporation (FDIC) temporarily increased deposit insurance from $100,000 to $250,000 per depositor. This increase is effective through December 31, 2013.

ACCESSbank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction  Account Guarantee Program is in addition to and seperate from the coverage available under the FDIC's general deposit insurance rules. The TAG Program will only cover an interest bearing account earning no more than 0.25% APY, a decrease from 0.50% APY, effective July 1, 2010. This program does not include interest bearing transaction accounts which are insured up to $250,000 per depositor. Accounts not included in the TAG Program are completeACCESS, totalACCESS and ACCESSmoneymarket accounts.