Rates effective as of 03/25/08
Deposit Rates
Type    APY
CHECKING PLUS - Rate .25%    .25%
PRIME CHECKING - Rate .25%    .25%
BONUS CHECKING $0 to $9,999 - Rate .25%    .25%
BONUS CHECKING $10,000 > - Rate .50%    .50%
PERSONAL MONEY MARKET $0 to $2,499 - Rate .25%    .25%
PERSONAL MONEY MARKET $2,500 to $24,999 - Rate 1.00%    1.00%
PERSONAL MONEY MARKET $25,000 to $49,999 - Rate 1.00%    1.00%
PERSONAL MONEY MARKET > $50,000 - Rate 1.45%    1.46%
SAVINGS - Rate .25%    .25%
BUSINESS CHECKING PLUS - Rate .25%    .25%
BUSINESS MONEY MARKET $0 to $2,499 - Rate .25%    .25%
BUSINESS MONEY MARKET $2,500 to $49,999 - Rate 1.00%    1.00%
BUSINESS MONEY MARKET $50,000 to $99,999 - Rate 1.17%    1.18%
BUSINESS MONEY MARKET $100,000 > - Rate 1.45%    1.46%
CERTIFICATE OF DEPOSIT 32 to 182 Days - Rate 1.00%    1.00%
CERTIFICATE OF DEPOSIT 183 TO 364 Days - Rate 1.16%    1.16%
CERTIFICATE OF DEPOSIT 12 Months - Rate 1.69%    1.70%
CERTIFICATE OF DEPOSIT 13 to 17 Months - Rate 1.69%    1.70%
CERTIFICATE OF DEPOSIT 18 Months - Rate 1.69%    1.70%
CERTIFICATE OF DEPOSIT 19 to 23 Months - Rate 1.69%    1.70%
CERTIFICATE OF DEPOSIT 24 Months - Rate 2.12%    2.14%
CERTIFICATE OF DEPOSIT 25 to 35 Months - Rate 2.12%    2.14%
CERTIFICATE OF DEPOSIT 36 to 47 Months - Rate 2.36%    2.39%
CERTIFICATE OF DEPOSIT 48 to 59 Months - Rate 2.60%    2.63%
CERTIFICATE OF DEPOSIT 60 Months - Rate 2.60%    2.63%
 
RATES NOTICE NOTE: "APY" represents "Annual Percentage Yield" Checking Accounts Rate Information: Your interest rate and annual percentage yield (APY) may change. Frequency of Rate Change: We m ay change the interest rate on your account at any time. Determination of Rate: At our discretion, we may change the interest rate on your account. Compounding and Crediting Frequency: Interest will be compounded every month. Interest will be credited to your account every month. Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest. Average Daily Balance Computation Method: We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Minimum Balance to open the account: You must deposit $100. Please refer to our products listing for this information or contact any of our banking centers. Note: Maintenance or activity fees could reduce earnings on checking accounts Certificates of Deposit and IRA Certificates of Deposit: Rate Information: The interest rate on your CD at time of opening will be paid until the first maturity. Compounding Frequency: Unless otherwise paid, interest will be compounded daily. Crediting Frequency: Interest will be credited to your account every month. Alternatively, you may choose to have interest paid to you or to another Orange Bank of Florida account every month rather than credited to your CD account. Daily Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of Interest on Non-Cash Deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Withdrawal of Interest Prior to Maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Minimum balance to open the account: You must deposit $1,000 (or $2,500 for 7-31 day certificats of deposit). Please refer to our products listing for this information or contact any of our banking centers.
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