American Chartered

 
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Rates accurate as of: August 20, 2008

Transaction Accounts

Accounts

Minimum Balance Required to Obtain APY

Interest Rate

Annual Percentage Yield (APY)

50+ Free Interest Checking  None  1.00%  1.00% 
VIP Interest Checking  None  1.00%  1.00% 
Low Minimum Interest Checking  None  1.00%  1.00% 
No Minimum Interest Checking  None  1.00%  1.00% 
Economy Interest Checking  None  1.00%  1.00% 
Wall Street Checking*  $0.01 - $2,499.99
$2,500.00 and above
 
1.00%
1.39%
 
1.00%
1.40%
 
Wall Street Plus Checking*  $0.01 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 & over
 
1.00%
1.74%
2.03%
 
1.00%
1.75%
2.05%
 
High Yield Money Market*  None  2.03%  2.05% 
Statement Savings*  None  1.00%  1.00% 
Health Savings Account*  $0.01 - $999.99
$1,000.00 - $4,999.99
$5,000.00 - $9,999.99
$10,000.00 and above
 
1.00%
1.24%
1.39%
1.74%
 
1.00%
1.25%
1.40%
1.75%
 
  • Interest rate paid is based on collected balance in account at close of each business day. Interest credited monthly. If the account is closed prior to the end of the monthly cycle, any accrued interest is forfeited.
  • Fees may reduce earnings
  • *Variable Rate Account Disclosures:
    Interest Rate: The interest rate and annual percentage yield may change
    Determination of Rate: At our discretion we may change the interest rate on your account
    Frequency of rate change: We may change the rate on your account at any time

CD RATES

Rates accurate as of: August 20, 2008

Certificate Rates
Type/Term

Interest Payments

Annual Percentage Yield (APY)
Monthly Quarterly At Maturity Annual
Fixed:
3 Month
 
2.24% 2.24% N/A N/A 2.26%
6 Month  2.48% 2.49% 2.49% N/A 2.51%
9 Month  3.16% 3.17% 3.20% N/A 3.21%
12 Month  3.33% 3.34% N/A 3.38% 3.38%
24 Month  3.55% 3.56% N/A 3.61% 3.61%
36 Month  3.93% 3.94% N/A 4.00% 4.00%
48 Months  4.03% 4.05% N/A 4.11% 4.11%
60 Month  4.18% 4.19% N/A 4.26% 4.26%
 
  • $1,000.00 minimum required to open non-IRA certificate and receive APY quoted
  • Rates quoted are based on compounding frequency
  • APY cited assumes principal and interest remain on deposit for full term; withdrawals will reduce earnings
  • Penalty may be imposed for early certificate of deposit withdrawal
  • If the CD has a maturity of greater than one (1) year, interest must be paid at least annually