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

Account Type Minimum Balance Required Interest Rate % APY %
Christmas Club $5.00 1.00 1.00
Instant Savings** $100.00 .30 .30
Now Account** $1,000.00 .15 .15
Super Now** $2,500.00 .30 .30


Investor savings

Minimum Balance Interest Rate % APY %
$0-$24,999 .30 .30
$25,000-$49,999 .45 .45
$50,000-$99,999 .65 .65
$100,000-$199,999 .80 .80


Money Market Accounts
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Minimum Balance Interest Rate % APY %
$2,500- $24,999 .35 .35
$25,000-$99,999 .45 .45
$100,000 and over` .60 .60

health savings accounts
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Minimum Balance Interest Rate % APY %
$0 - $2,999 .30 .30
$3,000 - $9,999 .40 .40
$10,000 and over .60 .60

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

.30

 .30 .40 .40 .50 .50
91 Days .50 .50 .60 .60 .70 .70
182 Days .80 .80 .90

.90

 1.00 1.00
1 Year 1.10 1.10 1.20 1.21 1.30 1.31
2 Years 1.50 1.51 1.60 1.61 1.70 1.71
3 Years 1.90 1.91 2.00 2.02 2.10 2.12
4 Years 2.25 2.27 2.35 2.37 2.45 2.47
5 Years 2.55 2.57 2.65 2.68 2.75 2.78

$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Funds withdrawn prior to maturity are penalized.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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  $1,000.00 $50,000.00 $100,000.00
  Rate % APY % Rate % APY % Rate % APY %
.30 .30 .65 .65 .90 .90
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL

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