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Investment Rates

Interest Rates and Annual Percentage Yields (APY) are accurate as of July 2, 2014.
  Interest Rate APY


TRANSACTION ACCOUNTS - Ultimate Checking
Ultimate Checking Account (NOW Account)
$0 to $15,000.00
"Ultimate Rate" when Qualifications are met

1.245% 1.25%
$15,000.01 +
"Ultimate Rate" when Qualifications are met

0.100% 0.10%
0$ to $15,000.00
"Reward Rate" when Qualifications are met

0.745% .75%
$15,000.01 +
"Reward Rate" when Qualifications are met

0.100% 0.10%
All Balances
"Base Rate" when Qualifications are NOT met

0.050% 0.05%

This is a variable rate account, the interest rates and annual percentage yields are subject to change at any time after the account is opened. To qualify, depositor must sign up for the BlueWave Online Banking and elect to receive electronic account statements (eStatements) for the account.

“Ultimate Rate” qualification requirements - Conduct at least $1,000.00 in signature based point-of-sale (POS) transactions; 1 Automatic Clearing House (ACH) direct deposit or 1 ACH auto debit transaction per qualification cycle. “Reward Rate” qualification requirements - Conduct $300.00 to $999.99 in signature based POS transactions; 1 ACH direct deposit or 1 ACH auto debit per qualification cycle. For the “Ultimate” and “Reward” rates, interest accrues on that portion of the daily collected balance per applicable tier. For the “Base Rate”, interest accrues on the entire daily collected account balance. Qualification cycle means a period beginning one day prior to the current statement cycle through one day prior to the close of the current statement cycle.

TRANSACTION ACCOUNTS - Performance Checking
Performance Checking Account (NOW Account)
$0 to $10,000.00
"Premium Rate" when Qualifications are met

0.745% .75%
$10,000.01+
"Premium Rate" when Qualifications are met

0.100% 0.10%
All Balances
"Base Rate" when Qualifications are NOT met

0.050% 0.05%

This is a variable rate account, the interest rate and annual percentage yields are subject to change at any time after the account is opened. Qualification requirements for “Premium Rate”: 12 signature based point-of-sale (POS) transactions and 1 Automated Clearing House (ACH) direct deposit or 1 ACH auto debit transaction per qualification cycle.

For the “Premium Rate”, interest accrues on that portion of the daily collected account balance per applicable tier. For the “Base Rate”, interest accrues on the entire daily collected account balance. Fees may reduce earnings on this account. Qualification cycle means a period beginning one day prior to the current statement cycle through one day prior to the close of the current statement cycle.

Classic Checking Account (NOW Account)
$0 - 4,999.99 0.050% 0.05%
$5000 - $49,999.99 0.100% 0.10%
$50,000 - $249,999.99 0.150% 0.15%
$250,000+

Minimum Opening Deposit of $100
0.200% 0.20%


NON-TRANSACTION ACCOUNTS
Classic Savings Account

Low minimum opening deposit of $100
No minimum balance
0.100% 0.10%


Blue Valley Investment Money Market Account
$0 to $ 4,999.99 0.050% 0.05%
$5,000.00 to $ 24,999.99 0.100% 0.10%
$25,000.00 to $49,999.99 0.150% 0.15%
$50,000.00 to $99,999.99 0.200% 0.20%
$100,000.00 to $499,999.99 0.300% 0.30%
$500,000.00+

Low minimum balance of $1,000
0.350% 0.35%

The Classic Checking, Classic Savings and Blue Valley Investment Money Market are variable rate accounts and, as such, the interest rate and annual percentage yields are subject to change at any time after the account is opened. Interest accrues on the entire daily collected balance based on the variable tiered rates. Fees may reduce the earnings on these accounts, excluding the Classic Savings account which has no monthly service charge.

CERTIFICATES OF DEPOSIT AND IRA INVESTMENTS
30 - 59 Days 0.100% 0.10%
60 - 89 Days 0.100% 0.10%
90 - 181 Days 0.100% 0.10%
182 - 364 Days 0.150% 0.15%
12 - 17 Months 0.250% 0.25%
18 - 23 Months 0.299% 0.30%
24 - 35 Months 0.349% 0.35%
36 - 47 Months 0.499% 0.50%
48 - 59 Months 0.649% 0.65%
60 - 71 Months 0.749% 0.75%


VARIABLE RATE INVESTMENTS
12 Months or Longer *
Effective 7.02.14
*Rate may change after the account is opened.
0.040% 0.040%

Rates are subject to change at any time without prior notice. Any rate in effect at the time the account is opened will supersede any rate information on this rate sheet. A penalty may be imposed for early withdrawal. Unless otherwise specified, a Blue Valley CD requires a minimum balance of $500 to open. Interest is compounded and credited quarterly (or you may receive a monthly interest check). CDs are automatically renewable unless otherwise disclosed at the time the account is opened.

ACCOUNT ANALYSIS EARNINGS CREDIT RATE
Effective July 2014 0.15%  

This rate is based on the 91-day Treasury Bill Auction Discount Rate and is subject to change at any time.

NEGATIVE MONTHLY AVERAGE COLLECTED BALANCE PENALTY RATE
Effective July 2014 7.25%  

The rate is based upon the Wall Street Prime lending rate and is subject to change at any time.

ALL OFFERING RATES SUBJECT TO CHANGE WITHOUT NOTICE. CERTAIN RESTRICTIONS MAY APPLY BASED ON ACCOUNT TYPE. TO OBTAIN CURRENT RATES OR FOR ADDITIONAL INFORMATION, PLEASE CONTACT ONE OF OUR KNOWLEDGABLE ASSOCIATES BY PHONE (913) 338-HELP (4357) OR VISIT ONE OF OUR FIVE CONVENIENT BANKING CENTER LOCATIONS.

FDIC INSURANCE COVERAGE
Notice:
Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.
   
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