Consumer Deposit Rates

Rate information is current as of: May 20, 2013

Rates are subject to change without notice. Please read the Information Concerning Your Personal Accounts brochure for complete account details.

See a video of Jane Bryant Quinn talking about the NCUA Share Insurance Protection available at credit unions.

Checking Accounts

Product	Minimum Balance	Interest Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit
Beyond Free Checking	N/A	N/A	N/A	$10
Beyond Interest Checking^1,2	$0.01	0.05%	0.05%	$10
Beyond Rewards Checking ^1,2,3	$0.01	0.10%	0.10%	$10
Be Free Checking (student checking)	N/A	N/A	N/A	$10

Savings Accounts^{1, 2}

Product	Minimum Balance	Interest Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit
Beyond Savings	$0.01 - $2,499	0.05%	0.05%	$10
	$2,500 - $4,999	0.05%	0.05%	$10
	$5,000 - $9,999	0.05%	0.05%	$10
	$10,000+	0.05%	0.05%	$10
Super Saver Kids Club Account	$0.01 - $2,499	0.05%	0.05%	$10
	$2,500 - $4,999	0.05%	0.05%	$10
	$5,000 - $9,999	0.05%	0.05%	$10
	$10,000+	0.05%	0.05%	$10
Beyond Rewards Savings ⁴	$0.01 - $4,999	0.10%	0.10%	$10
Beyond Rewards Savings ⁴	$5,000+	0.15%	0.15%	$10
IRA Savings	$0.01	0.25%	0.25%	$10
Health Savings Account	$1,000.00	0.25%	0.25%	$50

Club Accounts^{1, 5, 9}

Product	Term	Interest Rate	Annual Percentage Yield (APY)	Minimum Opening Amount
Christmas Club	50 weeks	0.25%	0.25%	$10
Winter Club	50 weeks	0.25%	0.25%	$10
Summer Club	50 weeks	0.25%	0.25%	$10
Back to School Club	50 weeks	0.25%	0.25%	$10

Money Market Accounts^{1, 2}

Product	Minimum Balance	Interest Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit
Beyond Money Market ⁶	$2,500 - $24,999	0.15%	0.15%	$2,500
	$25,000 - $49,999	0.20%	0.20%	$2,500
	$50,000 - $74,999	0.25%	0.25%	$2,500
	$75,000+	0.25%	0.25%	$2,500
Beyond Rewards Money Market ⁷	$10,000 - $24,999	0.25%	0.25%	$10,000
	$25,000 - $49,999	0.30%	0.30%	$10,000
	$50,000 - $74,999	0.35%	0.35%	$10,000
	$75,000+	0.35%	0.35%	$10,000

Certificates of Deposit (CD) and Individual Retirement Accounts (IRA)^{1, 8}

Product	Interest Rate	Annual Percentage Yield (APY)	Minimum Opening Deposit
36 Month Flex CD Promo¹⁰	1.00%	1.00%	$500
6 - 11 Month CD/IRA	0.25%	0.25%	$500
12 - 23 Month CD/IRA	0.35%	0.35%	$500
24 - 35 Month CD/IRA	0.65%	0.65%	$500
36 - 47 Month CD/IRA	0.90%	0.90%	$500
48 - 59 Month CD/IRA	1.09%	1.10%	$500
60+ Month CD/IRA	1.39%	1.40%	$500

1. Annual Percentage Yield (APY) is accurate for all accounts listed, as of the date noted above.
2. Variable rates are subject to change without notice, and after the account is opened.
3. Monthly service fee waived with combined minimum daily balances in all St. Mary's deposit and loan accounts of $20,000.
4. Available to Beyond Rewards Checking account holders.
5. Simple interest will be credited to your account at the end of the club term. Interest rates are guaranteed from time of purchase to maturity. Premature withdrawals may reduce earnings.
6. Monthly service fee waived when the minimum daily balance remains above $2,500.
7. Requires a Beyond Rewards Checking Account with direct deposit, or a mortgage with St. Mary's Bank. Monthly service fee waived when the minimum daily balance remains above $10,000.
8. Fees may reduce earnings. Interest rates for CD's and CD IRA's are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal.
9. Club account transfers are limited to a maximum of $100 per week over the 50 week period. 'Catch up' deposits are limited to the amount required to bring the club account current.
10. One time penalty free withdrawal up to 25% of the principal balance. One time rate upgrade during initial term. One time additional deposit during initial term not to exceed original deposit amount. CD only - IRA not eligible for promotion.

St. Mary's Bank is a member owned credit union. Membership is open to anyone with the purchase of one share of stock for $5.