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

Account Type Minimum Balance Required Interest Rate % APY %
Christmas Club $5.00 .20 .20
Instant Savings** $100.00 .15 .15
Now Account** $1,000.00 .10 .10
Super Now** $2,500.00 .15 .15


Investor savings

Minimum Balance Interest Rate % APY %
$0-$24,999 .15 .15
$25,000-$49,999 .25 .25
$50,000-$99,999 .35 .35
$100,000-$199,999 .45 .45


Money Market Accounts
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Minimum Balance Interest Rate % APY %
$2,500- $24,999 .15 .15
$25,000-$99,999 .25 .25
$100,000 and over` .35 .35

health savings accounts
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Minimum Balance Interest Rate % APY %
$0 - $2,999 .15 .15
$3,000 - $9,999 .20 .20
$10,000 and over .25 .25

Certificate of Deposit Accounts & Fixed Rate IRAs
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Minimum Deposit $1,000.00 $50,000.00 $100,000.00
Term Rate % APY % Rate % APY % Rate % APY %
30 Days

.15

 .15 .20 .20 .25 .25
91 Days
.25
.25
.30
.30
.35
 .35
182 Days .35 .35 .40 .40 .45 .45
1 Year .55 .55 .60 .60 .65 .65
2 Years .80 .80 .85 .85 .90 .90
3 Years 1.10 1.10 1.15 1.15 1.20 1.21
4 Years 1.45 1.46 1.50 1.51 1.55 1.56
5 Years 1.75 1.76 1.80 1.81 1.85 1.86

$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Funds withdrawn prior to maturity are penalized.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:
3 months of interest-Maturity of 1 yr or less

6 months of interest-Maturity of more than 1 yr through 36 months

12 months if interest-Maturity greater than 36 months


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 %
.15 .15 .40 .40 .60 .60
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

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