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Take Advantage of Our Great Rates
At Pacific National Bank we know you want the best return on your money. In addition to the numerous other benefits of doing business with us, you can always count on a solid rate of return.
Personal Deposit Rates
Rates Table
Effective Date: 03/05/2010
Checking Accounts |
|
| Free Checking | |
| Minimum to Open+ | $100 |
| Minimum Balance Required to Avoid Service Charge: | None |
| FREE BankRewards Visa® Check Card: | Yes |
| FREE Online Banking and Bill Payment: | Yes |
| Value Checking | |
| Minimum to Open+ | $100 |
| Minimum Balance To Obtain APY++ | $.01 |
| Interest Rate: | 0.150% |
| Annual Percentage Yield: | 0.15% APY |
| Minimum Balance Required to Avoid Service Charge: | $500 or $10,000 in combined deposits |
| FREE BankRewards Visa® Check Card: | Yes |
| FREE NSF Waiver: | One per year |
| FREE Online Banking and Bill Payment: | Yes |
| More Free Services: |
|
| Market Rate Checking | ||
| Minimum to Open+ | $100 | |
| Minimum Balance To Obtain APY++ | Interest Rates | Annual Percentage Yield |
| $0.01-$999.99 | 0.050% | 0.05% |
| $1,000-$9,999.99 | 0.100% | 0.10% |
| $10,000-$24,999.99 | 0.150% | 0.15% |
| $25,000-$49,999.99 | 0.150% | 0.15% |
| $50,000-$74,999.99 | 0.200% | 0.20% |
| $75,000-$99,999.99 | 0.200% | 0.20% |
| $100,000+ | 0.250% | 0.25% |
| Minimum Balance Required to Avoid Service Charge: |
$10,000 or $25,000 in combined deposits | |
| FREE BankRewards Visa® Check Card: |
Yes | |
| FREE NSF Waiver: | One per year | |
| FREE Online Banking and Bill Payment: |
Yes | |
| More Free Services: |
|
|
Money Market and Savings Accounts |
||
| Consumer High-Performance Market Rate | ||
| Minimum Balance to Open+ | $100.00 | |
| Minimum Balance To Obtain APY++ | Interest Rates | Annual Percentage Yield |
| $0.01 - $9,999.99 | 0.250% | 0.25% |
| $10,000 - $24,999.99 | 0.598% | 0.60% |
| $25,000 - $49,999.99 | 0.598% | 0.60% |
| $50,000- $74,999.99 | 0.847% | 0.85% |
| $75,000 - $99,999.99 | 0.847% | 0.85% |
| $100,000 + | 0.747% | 0.75% |
| Statement Savings | ||
| Minimum Balance to Open+ | $100.00 | |
| Minimum Balance To Obtain APY++ | Interest Rates | Annual Percentage Yield |
| $0.01 | 0.100% | 0.10% |
| Passbook Savings (Existing Accounts Only) | ||
| Minimum Balance to Avoid a Monthly Service Charge | $300.00 | |
| Minimum Balance To Obtain APY++ | Interest Rates | Annual Percentage Yield |
| $0.01 | 0.100% | 0.10% |
Certificates Of Deposit |
|||
| Regular Certificates | Fixed Term Certificate of Deposits Minimum Balance to Open $1,000.00 |
|
| Terms | Interest Rates | Annual Percentage Yield |
| 30 or 60 Days | 0.050% | 0.05% |
| 3 Months | 0.100% | 0.10% |
| 6 Months | 0.150% | 0.15% |
| 9 Months | 0.200% | 0.20% |
| 12 Months | 0.250% | 0.25% |
| 18 Months | 0.499% | 0.50% |
| 24 Months | 0.995% | 1.00% |
| 27 Months | 1.982% | 2.00% |
| 36 Months | 1.490% | 1.50% |
| 42 Months | 2.472% | 2.50% |
| 48 Months | 1.982% | 2.00% |
| 59 Months | 3.203% | 3.25% |
Deposit rates are subject to change without notice.
Important Note: This document is to be used in conjunction with other disclosure information about your accounts. Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365 day period.Additional Certificate of Deposit terms, corresponding APY's and Interest rates are available upon request.
+The stated "Minimum Balance to Open" an account may not meet the minimum balance to waive monthly service charges.
++The minimum balance to obtain APY is determined using the daily balance method. That is, in order to earn the state rate, the balance amount indicated must be maintained each day during the interest payment period. All accounts listed except Certificate of Deposit are variable rate accounts. As such, the interest rate may change at anytime. Fees could reduce the earnings on these accounts.The APY assumes interest will remain on deposit until maturity. If interest is withdrawn prior to maturity, earnings will be reduced.
Certificate of Deposit Information: For all Certificates, unless otherwise noted, a substantial penalty will be applied if funds are withdrawn prior to maturity. For regular Certificates, with maturities of less than one (1) year, interest is compounded daily and paid at maturity. For regular Certificates with maturities 1 year or longer, interest is compounded daily and paid quarterly and at maturity. Certificates are payable at the scheduled maturity.
The accounts will be automatically renewed at maturity as follows:
Certificates with maturities less than 6 months will renew at the rate then in effect for a certificate of that term and renewal amount.
Certificates with maturities 6 months to less than 12 months will renew at the regular 6-months term and 6-months interest rate and APY.
Certificates with maturities 12 months and greater will renew at the regular 12-months term and 12-months interest rate and APY.
1 Basic safety check pattern.
2 3"x5" box or smaller. Setup fee and first year rent waived. Safe Deposit boxes may not be available at all locations.
