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Investment Rates

Interest Rates and Annual Percentage Yields are
accurate as of July 1, 2009. All offering rates
subject to change without notice. To obtain
current rate information, please call 913-338-HELP (-4357).
  Interest Rate APY


TRANSACTION ACCOUNTS
Performance Checking Account (NOW Account)
$0 to $25,000.00
"Premium Rate" when Qualifications are met
4.90% 5.01%
$25,000.00+
"Premium Rate" when Qualifications are met
0.85% 0.85%
All Balances
"Base Rate" when Qualifications are NOT met

No minimum opening deposit required
No monthly service charge
No minimum balance required
0.35% 0.35%

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. 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. To open a Performance Checking Account, please go to one of our five convenient banking centers and speak with a Personal Banker, who will be happy to assist you.

Classic/Preferred Checking Account (NOW Account)
$0 - 4,999.99 0.10% 0.10%
$5000 - $49,999.99 0.15% 0.15%
$50,000 - $249,999.99 0.25% 0.25%
$250,000+

Low minimum opening deposit of $100
Monthly service charge of $10 can be offset by maintaining an average balance of $1,000 or maintaining a separate account relationship of $2,000 or more
0.50% 0.50%


NON-TRANSACTION ACCOUNTS
Classic/Preferred Savings Account

Low minimum opening deposit of $100
No minimum balance
0.25% 0.25%


Blue Valley Investment/Preferred Money Market Account
$0 to $ 4,999.99 0.10% 0.10%
$5,000.00 to $ 24,999.99 0.25% 0.25%
$25,000.00 to $49,999.99 0.30% 0.30%
$50,000.00 to $99,999.99 0.45% 0.45%
$100,000.00 to $499,999.99 0.60% 0.60%
$500,000.00+

Low minimum balance of $1,000
0.75% 0.75%

The above Transaction and Non-Transaction accounts 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 for all accounts, excluding the Performance Checking account. Fees may reduce the earnings on these accounts, excluding the Performance Checking account.

CERTIFICATES OF DEPOSIT AND IRA INVESTMENTS
30 - 59 Days 0.25% 0.25%
60 - 89 Days 0.50% 0.50%
90 - 181 Days 0.50% 0.50%
182 - 364 Days 1.34% 1.35%
12 - 17 Months 1.74% 1.75%
18 - 23 Months 1.74% 1.75%
24 - 35 Months 1.985% 2.00%
36 - 47 Months 2.48% 2.50%
48 - 59 Months 2.48% 2.50%
60 - 71 Months 2.48% 2.50%


VARIABLE RATE INVESTMENTS
12 Months or Longer *
Effective July 1, 2009
*Rate may change after the account is opened.
0.195% 0.20%

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 sheet. A penalty may be imposed for early withdrawal. Unless otherwise specified, a Bank of 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 2009 0.50%  

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 2009 7.25%  

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

TRANSACTION ACCOUNT GUARANTEE PROGRAM

Bank of Blue Valley is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2009, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
   
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