Consumer Deposit Rates
Rate information is current as of: May 2, 2008
Rates are subject to change without notice. Please read the Information Concerning Your Personal Accounts brochure for complete account details.

Checking Accounts
| Product | Minimum Balance | Interest Rate | Annual Percentage Yield | Minimum Opening Deposit | | Beyond Free Checking | N/A | N/A | N/A | N/A | | Beyond Rewards Checking* | N/A | 0.25% | 0.25% | N/A |
*Monthly fee waived with combined minimum daily balances in all deposit and loan accounts of $20,000. Savings Accounts
| Product | Minimum Balance | Interest Rate | Annual Percentage Yield | Minimum Opening Deposit | | Beyond Savings* | $0 - $2,499 | 0.45% | 0.45% | $0 | | $2,500 - $4,999 | 0.35% | 0.35% | $0 | | $5,000 - $9,999 | 0.40% | 0.40% | $0 | | $10,000+ | 0.50% | 0.50% | $0 | | Beyond Rewards Savings** | $0-$4,999 | 1.00% | 1.00% | $0 | | $5,000+ | 2.96% | 3.00% | $0 |
*Monthly maintenance fee applies if below minimum balance of $250 and a debit transaction is made to the account during the statement cycle.
**Beyond Rewards Checking account required. Club Accounts| Product | Minimum Balance | Interest Rate | Annual Percentage Yield | Minimum Opening Amount | | Christmas Club | N/A | 1.49% | 1.50% | $10 | | Winter Vacation Club | N/A | 1.49% | 1.50% | $10 | | Summer Vacation Club | N/A | 1.49% | 1.50% | $10 | | Back to School Club | N/A | 1.49% | 1.50% | $10 |
Money Market Account
| Product | Minimum Balance | Interest Rate | Annual Percentage Yield | Minimum Opening Deposit | | Beyond Money Market* | $2,500 - $24,999 | 1.00% | 1.00% | $2,500 | | $25,000 - $49,999 | 1.29% | 1.30% | | | $50,000 - $74,999 | 1.49% | 1.50% | | | $75,000+ | 1.98% | 2.00% | | | Beyond Rewards Money Market** | $10,000 - $24,999 | 1.98% | 2.00% | $2,500 | | $25,000 - $49,999 | 1.98% | 2.00% | | | $50,000 - $74,999 | 2.47% | 2.50% | | | $75,000+ | 2.47% | 2.50% | |
*Accounts earn interest for each day that the $2,500 minimum daily balance is maintained.
**Accounts earn interest for each day that the $10,000 minimum daily balance is maintained. If you have a Beyond Rewards Checking Account with direct deposit or a mortgage with St. Mary's, you are eligible to open a Beyond Rewards Money Market Account.
Monthly maintenance fee applies if below minimum balance.
Fees may reduce the earnings on all of the above accounts.
Certificates Of Deposit (CDs)| Product | Interest Rate* | Annual Percentage Yield | Minimum Opening Deposit | | 6 - 11 Month | 2.47% | 2.50% | $500 | | 12 - 23 Month | 2.47% | 2.50% | $500 | | 24 - 35 Month | 2.47% | 2.50% | $500 | | 36 - 47 Month | 2.47% | 2.50% | $500 | | 48 - 59 Month | 2.71% | 2.75% | $500 | | 60+ Month | 2.96% | 3.00% | $500 | | IRA Savings | 1.14% | 1.15% | $10 | | 6 - 11 Month Fixed Rate | 2.47% | 2.50% | $500 | | 12 - 23 Month Fixed Rate | 2.47% | 2.50% | $500 | | 24 - 35 Month Fixed Rate | 2.47% | 2.50% | $500 | | 2 year Variable Rate | 1.54% | 1.55% | $500 | | 36 - 47 Month Fixed Rate | 2.47% | 2.50% | $500 | | 48 - 59 Month Fixed Rate | 2.71% | 2.75% | $500 | | 60 + Month Fixed Rate | 2.96% | 3.00% | $500 |
*Interest rates for CD IRAs, except for the 2 year Variable Rate IRA, are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal.
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