INTEREST RATE SHEET FOR PERSONAL ACCOUNTS Effective as of August 1, 2016 Promotional Accounts
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1 Promotional Accounts Ultimate Savings Account Less than $ % 0.10% $1,000 - $9, % 0.15% 0.35% 0.35% 0.50% 0.50% 0.80% 0.80% - $999, % 0.83% $1,000,000 and up 0.85% 0.85% *To receive the promotional Annual Percentage Yields (APYs) through 1/31/17, you must open a new Ultimate Savings account between 5/16/16 and 8/31/16 with a minimum opening deposit of $10,000, with funds not presently on deposit with Far East National Bank. You must also have a Far East National Bank checking account or money market account with direct deposit or Mobile Banking. For other balances and after 1/31/17, rates are variable and subject to change without notice. Fees may reduce earnings.
2 Time Deposits/CDs Regular Time Deposit / CD $1,000 - $9, Term Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* 15 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 30 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 60 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 90 days 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.25% 0.25% 0.30% 0.30% 0.30% 0.30% 180 days 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.50% 0.50% 0.50% 0.50% 12 months 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.65% 0.65% 0.65% 0.65% 18 months 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.75% 0.75% 0.75% 0.75% 24 months 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.85% 0.85% 0.85% 0.85% 36 months 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 48 months 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 60 months 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% Retirement (IRA) Time Deposit / CD Minimum opening deposit: $500 $ $ $1,000 - $9, Term Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* 15 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 30 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 60 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 90 days 0.10% 0.10% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.25% 0.25% 0.30% 0.30% 0.30% 0.30% 180 days 0.10% 0.10% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.50% 0.50% 0.50% 0.50% 12 months 0.10% 0.10% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.65% 0.65% 0.65% 0.65% 18 months 0.10% 0.10% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.75% 0.75% 0.75% 0.75% 24 months 0.10% 0.10% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.85% 0.85% 0.85% 0.85% 36 months 0.10% 0.10% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 48 months 0.10% 0.10% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 60 months 0.10% 0.10% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% Triple Option Time Deposit / CD Term 12 months $10,000 and up 0.28% 0.28% Checking Accounts Personal Interest Checking Premier Interest Checking All balances 0.15% 0.15% Less than $10, % 0.10% 0.10% 0.10% Minimum opening deposit: $ % 0.15% $50,000 and up 0.20% 0.20% Minimum opening deposit: $1,000
3 Money Market Accounts Super Money Market Less than $10, % 0.08% 0.15% 0.15% 0.30% 0.30% $249, % 0.30% $250, % 0.35% - $999, % 0.35% $1,000,000 and up 0.45% 0.45% Minimum opening deposit: $2,500 Savings Accounts Personal Savings Ultimate Savings All balances 0.10% 0.10% Less than $ % 0.10% $1,000 - $9, % 0.15% Minimum opening deposit: $ % 0.15% 0.25% 0.25% $100,000 and 0.35% 0.35% - $999, % 0.35% $1,000,000 and up 0.35% 0.35% Minimum opening deposit: $2,500 *Annual Percentage Yields (APYs) are effective on the date shown on this rate sheet and are subject to change at any time without notice. Check with your local branch for the most current available rates. Time deposits/cds: If an account is closed prior to maturity date, an early withdrawal penalty will be added. Penalty may reduce your interest income. Checking, money market, and savings accounts: Rates are variable and may be subject to change at our discretion at any time without notice. Fees could reduce earnings on the account. For additional terms and conditions that apply to your account, please see refer to our deposit agreement and fee schedule for your account. We may change this deposit rate sheet at our discretion at any time. We may change interest rates and APYs. We may add, delete or change terms and conditions. We may add new accounts and amend or delete existing accounts. We may create new balance tiers or consolidate existing balance tiers
4 INTEREST RATE SHEET FOR BUSINESS ACCOUNTS Effective as of August 1, 2016 Time Deposits/CDs Regular Time Deposit / CD $1,000 - $9, Term Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* 15 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 30 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 60 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 90 days 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.25% 0.25% 0.30% 0.30% 0.30% 0.30% 180 days 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.50% 0.50% 0.50% 0.50% 12 months 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.65% 0.65% 0.65% 0.65% 18 months 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.75% 0.75% 0.75% 0.75% 24 months 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.85% 0.85% 0.85% 0.85% 36 months 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 48 months 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 60 months 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% Retirement (SEP IRA) Time Deposit / CD Minimum opening deposit: $500 $ $ $1,000 - $9, Term Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* Rate APY* 15 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 30 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 60 days 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 90 days 0.10% 0.10% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.25% 0.25% 0.30% 0.30% 0.30% 0.30% 180 days 0.10% 0.10% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.50% 0.50% 0.50% 0.50% 12 months 0.10% 0.10% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.65% 0.65% 0.65% 0.65% 18 months 0.10% 0.10% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.70% 0.75% 0.75% 0.75% 0.75% 24 months 0.10% 0.10% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.85% 0.85% 0.85% 0.85% 36 months 0.10% 0.10% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 48 months 0.10% 0.10% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 0.78% 60 months 0.10% 0.10% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% Triple Option Time Deposit / CD Term 12 months $10,000 and up 0.28% 0.28% Checking Accounts Business Interest Checking All balances 0.15% 0.15% Minimum opening deposit: $2,000
5 INTEREST RATE SHEET FOR BUSINESS ACCOUNTS Effective as of August 1, 2016 Money Market Accounts Corporate Tiered Money Market Less than $50, % 0.20% 0.25% 0.25% $299, % 0.25% $300, % 0.30% - $999, % 0.35% $1,000,000 - $1,499, % 0.40% $1,500,000 - $1,999, % 0.40% $2,000,000 and up 0.40% 0.40% Minimum opening deposit: $5,000 Savings Accounts Business Savings FENB Premium Business Savings All balances 0.10% 0.10% Less than $5, % 0.10% $5, % 0.10% Minimum opening deposit: $ % 0.10% $999, % 0.15% $1,000,000 - $4,999, % 0.15% $5,000,000 and up 0.20% 0.20% Minimum opening deposit: $10,000 *Annual Percentage Yields (APYs) are effective on the date shown on this rate sheet and are subject to change at any time without notice. Check with your local branch for the most current available rates. Time deposits/cds: If an account is closed prior to maturity date, an early withdrawal penalty will be added. Penalty may reduce your interest income. Checking, money market, and savings accounts: Rates are variable and may be subject to change at our discretion at any time without notice. Fees could reduce earnings on the account. For additional terms and conditions that apply to your account, please see refer to our deposit agreement and fee schedule for your account. We may change this deposit rate sheet at our discretion at any time. We may change interest rates and APYs. We may add, delete or change terms and conditions. We may add new accounts and amend or delete existing accounts. We may create new balance tiers or consolidate existing balance tiers.
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