CDARS, the Certificate of Deposit Account Registry Service
The rates and APYs are accurate as of 02/02/2012
| Term | Account Balance** | Interest Rate | APY |
| 6 Month | $10,000 and above | 0.25 % | 0.25 % |
| Minimum $10,000 Opening Deposit* | |||
| 1 Year | $10,000 and above | 0.30 % | 0.30 % |
| Minimum $10,000 Opening Deposit* | |||
| 2 Year | $10,000 and above | 0.55 % | 0.55 % |
| Minimum $10,000 Opening Deposit* | |||
| 3 Year | $10,000 and above | 0.75 % | 0.75 % |
| Minimum $10,000 Opening Deposit* | |||
| CDARS Certificates of Deposit for Spectrum Select*** | |||
| 1 Year | $100,000 and above | 0.40 % | 0.40 % |
| Minimum $100,000 Opening Deposit* | |||
| 2 Year | $100,000 and above | 0.65 % | 0.65 % |
| Minimum $100,000 Opening Deposit* |
Certificates of Deposit may be subject to a substantial penalty for early withdrawal.
*Maximum opening deposit is $2 million per customer. Municipalities have no maximum opening deposit.
**The minimum balance must be maintained for one year in order to receive the Annual Percentage Yield.
***Rates shown for CDARS Certificates of Deposit for Spectrum Select require a Spectrum Select or Wealth Management Checking relationship. Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.
For further details, please contact us at 800-894-6900 or via e-mail at Customer Service Center.
