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Rates

Rates Effective April 01, 2014

ACCOUNT PRODUCT
NAME
MINIMUM OPENING DEPOSIT MINIMUM BALANCE TO OBTAIN APY INTEREST RATE APY
Personal Checking1*
NOW Checking $100 $100 0.15% 0.15%
Relationship Checking $500 $500 0.25% 0.25%
Statement Savings Account1* $100 $100 0.25% 0.25%
 
Business Checking1*
Business Interest Checking $100 $100 0.15% 0.15%
Business Statement Savings Account1* $100 $100 0.25% 0.25%
 
Money Market Account1* $500 $500    
Balances $100 - $2,499     0.20% 0.20%
Balances $2,500 - $24,999     0.20% 0.20%
Balances $25,000 - $49,999     0.25% 0.25%
Balances $50,000 - $99,999     0.30% 0.30%
Balances $100,000 and up     0.40% 0.40%
Certificates of Deposit2* $500 $500    
3 Month     0.10% 0.10%
6 Month     0.15% 0.15%
12 Month     0.30% 0.30%
18 Month     0.40% 0.40%
24 Month     0.50% 0.50%
30 Month     0.60% 0.60%
36 Month     0.90% 0.90%
48 Month     1.00% 1.00%
60 Month     1.20% 1.21%
Certificates of Deposit Special3*
9 Month Penalty Free $500 $500 0.20% 0.20%

¹Checking and Savings Accounts:  The Interest Rate and Annual Percentage Yield (APY) may change after account opening, as rates are subject to change daily.  Interest is compounded and credited monthly for Checking Accounts and semi-annually for Savings Accounts. Fees may reduce earnings on these accounts.
²Certificates of Deposit:  These accounts are also the investment vehicle for Traditional and Roth Individual Retirement Accounts (IRAs). The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Penalty may apply for early withdrawal. Fees or withdrawals may reduce earnings.  Interest is compounded and credited quarterly.
³9 Month Penalty Free CD allows depositor to close the account anytime after the first six days on deposit without a penalty.  No partial withdrawals permitted.  This account is not eligible for Individual Retirement Accounts (IRA).
*For All Deposit Accounts:  Interest Rates and Annual Percentage Yield’s are current as of the date state above. Rates are applicable for deposits up to $1 million dollars. For deposits in excess of $1 million please contact your Xenith relationship manager for rates.  MEMBER FDIC