Deposit Rates

Central Bank
Disclosure of Deposit Yields & Rates

Effective Dates: April 16, 2014 – April 22, 2014

APY* Interest Rate Minimum Balance to Obtain APY
CHECKING ACCOUNTS
Consumer/Business/Business 250 Interest Checking 0.07% 0.070% $1.00
Platinum Checking 0.15% 0.150% $50,000
Platinum Checking 0.10% 0.100% $10,000
Platinum Checking 0.07% 0.070% $1.00
HEALTH SAVINGS ACCOUNTS
Health Savings Accounts 0.15% 0.150% $1.00
SAVINGS ACCOUNTS
Savings Accounts 0.07% 0.070% $1.00
MONEY MARKET ACCOUNTS
Money Market / Money Market Plus 0.07% 0.070% $2,500 or > (>$1 for MM+)
0.07% 0.070% $2,499 or < (N/A for MM+)
CENTRAL MONEY MARKET
Personal 0.07% 0.070% < $10,000
Personal 0.07% 0.070% $10,000 to $49,999
Personal 0.15% 0.150% $50,000 to $99,999
Personal 0.20% 0.200% $100,000 to $249,999
Personal 0.25% 0.250% $250,000 or >
Non-Personal 0.07% 0.070% < $10,000
Non-Personal 0.07% 0.070% $10,000 to $49,999
Non-Personal 0.07% 0.070% $50,000 to $99,999
Non-Personal 0.10% 0.100% $100,000 to $249,999
Non-Personal 0.15% 0.150% $250,000 or >
CERTIFICATE OF DEPOSIT
7 to 31 Days 0.10% 0.100% $20,000
32 to 89 Days 0.15% 0.150% $5,000
90 to 179 Days 0.20% 0.200% $2,500
180 to 364 Days 0.30% 0.300% $1,000
1 Year 0.35% 0.349% $500
2 Years 0.50% 0.499% $500
3 Years 0.70% 0.698% $500
4 Years 1.05% 1.045% $500
5 Years 1.40% 1.390% $500
CURRENT CD SPECIALS
CentralAdvantage (1 yr - individuals only) 0.25% 0.250% $2,500
CD Management Account (1 year - variable rate) 0.07% 0.065% $2,500
INDIVIDUAL RETIREMENT ACCOUNTS
Variable Rate - 18 Month 0.20% 0.200% $100
Fixed Rate - 6 Month 0.30% 0.300% $500
Fixed Rate - 12 Month 0.35% 0.349% $500
Fixed Rate - 24 Month 0.50% 0.499% $500
Fixed Rate - 36 Month 0.70% 0.698% $500
Fixed Rate - 60 Month 1.40% 1.390% $500

**Interest on Money Market accounts accrue on the entire collected balance at the rate for that balance tier.**

**The “Annual Percentage Yield” assumes daily compounding of interest for 365 days, and that a withdrawal may reduce earnings.**

**Minimum daily balances required each day to obtain APY. Balances falling below the minimum requirements may be assessed a fee. The bank calculates interest on the daily balance method. Fees assessed and withdrawals of principal may reduce earnings.**

**The above rates are the posted rates for Central Bank for the Certificates of Deposit listed above. Rates may vary if amounts, terms or other conditions vary from those posted above. A penalty may be imposed for early withdrawal.**