Deposit Rates

Deposit Rates

 Effective May 10, 2012 subject to change without notice.  

InvestorsCD

 CD Amount
$1,000-24,999		CD Amount
$25,000 or more
TermInterest RateAnnual
Percentage Yield		Interest RateAnnual
Percentage Yield
Three Months 0.15% 0.15% 0.40% 0.40%
Six Months 0.25% 0.25% 0.50% 0.50%
One Year 0.35% 0.35% 0.60% 0.60%
Three Years 0.90% 0.90% 1.15% 1.15%
Five Years 1.42% 1.43% 1.67% 1.68%

The daily balance method is used to calculate interest. This method applies a daily periodic rate of interest to the collected balance in your account each day. Interest begins to accrue on the date that your deposit becomes collected funds. There is no service charge, management fee, or commission on certificates of deposit. Our minimum deposit is $1,000.Your deposit will earn the rate stated on your certificate until maturity. Substantial penalties may apply for early withdrawal.

Accrued interest will be compounded and credited to your account semi-annually. You may choose to withdraw interest from your certificate if you deposit the interest in another account at InvestorsBank. Otherwise, we will add the interest to your certificate.

The annual percentage yield assumes interest will remain on deposit until maturity. If you withdraw interest from your certificate, earnings on the certificate will be reduced. If you add interest to the certificate on interest payment dates, you will earn the annual percentage yield.

You may choose to have your deposit automatically renew at maturity. You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Prior to maturity, principal may be withdrawn subject to an early withdrawal penalty. If the certificate of deposit has a maturity of one year or less, the penalty will be equal to three months of interest. If the certificate of deposit has a maturity of more than one year, the penalty will be equal to six months interest.

All accounts are subject to the eDeposit Agreement and Supplement to Deposit Account Agreement.

InvestorsMoney

InvestorsMoney pays you interest on the collected balance in your account at a rate determined by us. The daily balance method is used to calculate interest. This method applies a daily periodic rate of interest to the collected balance in your account each day. Interest begins to accrue on the date that your deposit becomes collected funds.

Total Daily Balance in AccountInterest Rate on Total Daily
Balance in Account		Annual Percentage Yield
$0-24,999 0.15% 0.15%
$25,000 to $99,999 0.25% 0.25%
$100,000 to $249,999 0.50%  0.50%
$250,000 or more 0.70% 0.70%

Interest will be compounded and credited to your account monthly. There is a $1,000 minimum balance to open or maintain this account. You will receive monthly statements. You can access information about your account or transfer funds to another account by telephone or by using InvestorsBank's Online Banking 24 hours a day or disburse funds directly from this account by check. The number of transfers and checks drawn on this account per month are limited by law.

You may make unlimited withdrawals from this account in person at InvestorsBank. However, you may make no more than six preauthorized withdrawals, telephone transfers and other withdrawals from your account per statement cycle which includes transfers made to your InvestorsChecking account to cover overdrafts. You must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. A minimum balance fee of $10.00 will be imposed every month if the daily balance in the account falls below $1,000 any day of the month. InvestorsBank reserves the right to close low balance accounts and to require seven-day notice in writing prior to withdrawals. Your interest rate and annual percentage yield may change at any time. All accounts are subject to the eDeposit Account Agreement and Supplement to Deposit Account Agreement.

InvestorsChecking

Interes0t1RateAnnual Percentage YieldMinimum Balance
0.05% 0.05% $250.00

At this time we are unable to offer the ability to open a checking account online. Visit InvestorsBank to open your account. Must be at least 18 years old and a citizen of the United States.The interest rate is variable. The rate and corresponding APY (Annual Percentage Yield) may change in any amount and at any time after the account is opened. The monthly service fee of $10 will be waived if a minimum balance of $250.00 is maintained in the account. Fees may reduce earnings. All accounts are subject to the eDeposit Account Agreement, and Supplement to Deposit Account Agreement.