Byron Bank

Annual Percentage Yields (APY) & Interest Rates

Checking & Savings

Account TypeMinimum BalanceInterest Rate %APY %
Christmas Club$5.00.20.20
Savings**$100.00.10.10
Now Account**$1,000.00.05.05
Super Now**$2,500.00.10.10

**This is a Variable Rate Account.  The Rate and APY may change after the account is opened.

Investor Savings

Minimum BalanceInterest Rate %APY %
$0 - $24,999.10.10
$25,000 - $49,999.20.20
$50,000 - $99,999.25.25
$100,000 - $199,999.30.30
$200,000 and over.40.40

Money Market Account

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Minimum BalanceInterest Rate %APY %
$2,500 - $24,999.10.10
$25,000 - $99,999.20.20
$100,000 and over.25.25

Health Savings Account

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Account BalanceInterest Rate %APY %
$0 - $2,999.10.10
$3,000 - $9,999.10.10

CDs & Fixed Rate IRAs

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Minimum Deposit$1,000$50,000$100,000
TermInterest Rate %APY %Interest Rate % APY %Interest Rate %APY %
30 Days.10.10.15.15.20.20
91 Days.15.15.20.20.25.25
182 Days.20.20.25.25.30.30
12 Months*.35.35.40.40.45.45
24 Months*.55.55.60.60.65.65
36 Months*.85.85.90.90.95.95
48 Months*1.101.101.151.151.201.21
60 Months*1.401.411.451.461.501.51

*$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 Funds withdrawn prior to maturity are penalized.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:

  • 90 days of interest-Maturity of 1 yr or less
  • 182 days of interest-Maturity of more than 1 yr through 36 months
  • 365 days of interest-Maturity greater than 36 months

Individual Retirement Accounts (1 Year & Longer)

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Minimum BalanceRate %APR %
$1,000.10.10
$50,000.20.20
$100,000.30.30

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
Your earnings on these accounts may be reduced by fees charged.