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Deposit Rate Sheet
Effective
June 30, 2008
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Product
|
Interest Rate
|
Annual Percentage Yield
|
Compounding Method
|
Minimum Opening Balance
|
|
American Now Checking1,2
|
1.49%
|
1.50%
|
Daily
|
$100
|
|
American Now Business Checking1,2
*sole proprietors and non-profit orgs only
|
1.49%
|
1.50%
|
Daily
|
$100
|
|
Silver Eagle “Super Now” Checking1,2
|
1.73%
|
1.75%
|
Daily
|
$100
|
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Allegiance “Super Now” Checking1,2
|
1.98%
|
2.00%
|
Daily
|
$100
|
|
Patriot Savings1,2
|
2.47%
|
2.50%
|
Daily
|
$100
|
1Rates may change after the account is opened.
2Fees may reduce earnings on the account.
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|
Golden Eagle Money Market1,2
|
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Product
|
Interest Rate
|
Annual Percentage Yield
|
Compounding Method
|
Minimum Opening Balance
|
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$0 -$999
|
0%
|
0%
|
n/a
|
$1000
|
|
$1,000-$9,999
|
2.23%
|
2.25%
|
Daily
|
$1000
|
|
$10,000-$49,999
|
2.71%
|
2.75%
|
Daily
|
$1000
|
|
$50,000-$99,999
|
2.96%
|
3.00%
|
Daily
|
$1000
|
|
$100,000-$--------
|
3.20%
|
3.25%
|
Daily
|
$1000
|
1Rates may change after the account is opened.
2Fees may reduce earnings on the account.
|
|
Capital Reserve Investment Account1,2
|
|
Product
|
Interest Rate
|
Annual Percentage Yield
|
Compounding Method
|
Minimum Opening Balance
|
|
$0 - $2,499
|
0%
|
0%
|
n/a
|
$2500
|
|
$2,500 - $49,999
|
2.71%
|
2.75%
|
Daily
|
$2500
|
|
$50,000 - $99,999
|
2.96%
|
3.00%
|
Daily
|
$2500
|
|
$100,000 - $---------
|
3.20%
|
3.25%
|
Daily
|
$2500
|
1Rates may change after the account is opened.
2Fees may reduce earnings on the account.
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Certificates of Deposit and IRA’s 3
|
|
Product
|
Interest Rate
|
Annual Percentage Yield
|
Compounding Method
|
Minimum Opening Balance
|
|
3 months
|
3.20%
|
3.25%
|
Daily
|
$1000
|
|
6 months
|
3.44%
|
3.50%
|
Daily
|
$1000
|
|
12 months
|
3.92%
|
4.00%
|
Daily
|
$1000
|
|
24 months
|
3.92%
|
4.00%
|
Daily
|
$1000
|
|
36 months
|
3.92%
|
4.00%
|
Daily
|
$1000
|
|
48 months
|
3.92%
|
4.00%
|
Daily
|
$1000
|
|
60 months
|
3.92%
|
4.00%
|
Daily
|
$1000
|
1Rates may change after the account is opened.
2Fees may reduce earnings on the account.
3Penalty may be imposed for early withdrawal. Minimum deposit required to open a certificate of deposit or IRA is $1000. IRA’s are available for terms of one year or longer. American United Bank uses the daily balance method to calculate the interest of your account. This method applies a daily periodic rate to the principal in the account each day.
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