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

Account Type Minimum Balance Required Interest Rate % APY %
Christmas Club $5.00 1.25 1.25
Instant Savings** $100.00 1.00 1.00
Now Account** $1,000.00 .55 .55
Super Now** $2,500.00 .70 .70


Investor savings

Minimum Balance Interest Rate % APY %
$0-$24,999 1.00 1.00
$25,000-$49,999 2.00 2.02
$50,000-$99,999 2.50 2.52
$100,000-$199,999 2.75 2.78


Money Market Accounts
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Minimum Balance Interest Rate % APY %
$2,500- $24,999 1.50 1.51
$25,000-$99,999 1.75 1.76
$100,000 and over` 2.00 2.02

health savings accounts
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Minimum Balance Interest Rate % APY %
$0 - $2,999 1.50 1.51
$3,000 - $9,999 2.00 2.02
$10,000 and over 2.50 2.53

Certificate of Deposit Accounts & Fixed Rate IRAs
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Minimum Deposit $1,000.00 $25,000.00 $50,000.00
Term Rate % APY % Rate % APY % Rate % APY %
30 Days

1.85

 1.87 1.95 1.97 2.05 2.07
91 Days 2.05 2.07 2.15 2.17 2.25

2.27
182 Days 2.50 2.52 2.60 2.63 2.70 2.73
1 Year 2.70 2.73 2.80 2.83 2.90 2.93
2 Years 2.95 2.98 3.05 3.09 3.15 3.19
3 Years 3.10 3.14 3.20 3.24 3.30 3.34
4 Years 3.35 3.39 3.45 3.49 3.55

3.60
5 Years 3.50 3.55 3.60 3.65 3.70

3.75

$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Funds withdrawn prior to maturity are penalized.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:
30 days int - maturity of 1 yr or less
90 days int - maturity of more than 1 year.


Individual Retirement Accounts (IRAs)
-1 year and longer
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Same as the above CD's we offer:

1 Year Variable** $1,000.00 $25,000.00 $50,000.00
  Rate % APY % Rate % APY % Rate % APY %
2.95 2.98 3.05 3.09 3.15 3.19
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
** This is a Variable Rate Account. The Rate and APY may change after your account is opened.
Your earnings on these accounts may be reduced by fees charged.