Spectrum Select for Business

The rates and APYs are accurate as of 07/29/2010

Product	Account Balance*	Interest Rate	APY
Certificates of Deposit
11 Month	$10,000 and over	0.85 %	0.85 %
Minimun $10,000 Opening Deposit
15 Month	$10,000 and over	1.09 %	1.10 %
Minimum $10,000 Opening Deposit
22 Month	$10,000 and over	1.49 %	1.50 %
Minimum $10,000 and above
Money Market
Spectrum Select Business Money Market	$1,000,000 and above	0.85 %	0.85 %
Minimum $2,500 Opening Deposit	$500,000 to $999,999	0.85 %	0.85 %
	$250,000 to $499,999	0.85 %	0.85 %
	$100,000 to $249,999	0.85 %	0.85 %
	$75,000 to $99,000	0.85 %	0.85 %
	$50,000 to $74,999	0.85 %	0.85 %
	$25,000 to $49,999	0.85 %	0.85 %
	$10,000 to $24,999	0.85 %	0.85 %
	$2,500 to $9,999	0.50 %	0.50 %

 

Spectrum Select for Business requires a minimum average balance of $10,000 in related checking, savings and money market accounts. A $20 monthly fee will be charged to the Business Checking account if this balance is not maintained. CD rates are available for new money. To earn CD rates on existing funds, a Spectrum Select relationship is required.

Spectrum Select Business Money Market is a variable rate account. The rate may change after the account is opened. Spectrum Select Business Money Market requires a Business Checking account. A $20 monthly fee will be charged to the Spectrum Select Business Money Market account if this balance is not maintained.

Certificates of Deposit may be subject to a penalty for early withdrawal.

Fees may reduce earnings.

*Minimum to earn Annual Percentage Yield (APY).

**Maximum opening deposit on Spectrum Express CDs is $250,000 for individual accounts and $500,000 for joint accounts.

For further details, please contact us at 888-409-5100 or via e-mail at Customer Service Center.