Current Rates
   
Current Rates

as of 07/31/2014

Account Type
and/or Terms
Interest Rate
Annual Percentage Yield
Minimum
to Open
Minimum w/o Fee
Comp. Freq.
Int. Paid
Tier I
0 - $2,499.99
0.05 0.05 $500 $500 Daily Monthly
Tier II
$2,500 or more
0.10 0.10 $500 $500 Daily Monthly
Account Type and/or Terms 
Interest Rate 
Annual Percentage Yield 
Minimum to Open 
Minimum w/o Fee 
Comp. Freq. 
Int. Paid 
Tier I
0 - $2,499.99 
0.10  0.10  $1,000  $1,000  Monthly  Monthly 
Tier II
$2,500 or more
0.15  0.15  $1,000  $1,000  Monthly  Monthly 
Account Type and/or Terms 
Interest Rate 
Annual Percentage Yield 
Minimum to Open 
Minimum w/o Fee 
Comp. Freq. 
Int. Paid 
Tier I
0 - $24,999.99  
0.15  0.15  $5,000.00  $5,000.00  Monthly  Monthly 
Tier II
$25,000 - $74,999.99 
0.25  0.25  $5,000.00  $5,000.00  Monthly  Monthly 
Tier III
$75,000 - $149,999.99 
0.30  0.30  $5,000.00  $5,000.00  Monthly  Monthly 
Tier IV
$150,000 - $249,999.99
0.45 0.45 $5,000.00  $5,000.00  Monthly  Monthly 
Tier V
$250,000 or more
0.75 0.75 $5,000.00  $5,000.00  Monthly  Monthly 
Account Type
and/or Terms 
Interest Rate 
Annual Percentage Yield 
Minimum to Open 
Minimum w/o Fee 
Comp. Freq. 
Int. Paid 
Savings  0.10  0.10  $100  $100  Daily  Quarterly 
Easy Savers  0.10  0.10  $25  $25  Daily  Maturity 
Account Type
and/or Terms 
Interest Rate 
Annual Percentage Yield 
Minimum to Open 
Minimum w/o Fee 
Comp. Freq. 
Int. Paid 
Tier I 0-$2499.99  0.20 0.20  $100  $25 annual fee  Daily  Monthly 
Tier II $2,500-$9,999.99  0.35 0.35 $100  $25 annual fee  Daily  Monthly 
Tier III $10,000 or more 0.50  0.50 $100  $25 annual fee  Daily  Monthly 
FUN Rates CD's
Interest Rate 
Annual Percentage Yield 
Minimum to Open 
Interest Penalty
Comp. Freq. 
Int. Paid When Comp.
31 Day .10 .10 $5,000 31 Day Maturity  Maturity 
3 Month .10 .10 $2,500 3 Month Maturity  Maturity 
6 Month .15 .15 $2,500 3 Month Quarterly  Quarterly 
12 Month .25 .25 $500 3 Month Quarterly  Quarterly 
15 Month .25 .25 $500 3 Month Quarterly  Quarterly 
18 Month .30 .30 $500 6 Month Quarterly  Quarterly 
24 Month .40 .40 $500 6 Month Quarterly  Quarterly 
30 Month .55 .55 $500 6 Month Quarterly  Quarterly 
36 Month .55 .55 $500 12 Month Quarterly  Quarterly 
60 Month 1.05 1.05 $500 12 Month Quarterly  Quarterly 

FUNRates CD "Specials"

FUN Rates CD's
Interest Rate 
Annual Percentage Yield 
Minimum to Open 
Interest Penalty
Comp. Freq. 
Int. Paid When Comp.
19 Month .45 .45 $500 6 Month Quarterly Quarterly
48 Month .80 .80 $500 12 Month Quarterly Quarterly
Term
Interest Rate 
Annual Percentage Yield 
Minimum to Open 
Interest Penalty
Comp. Freq. 
Int. Paid When Comp.
31 Day .10 .10 $5,000 31 Day Maturity  Maturity 
3 Month .10 .10 $2,500 3 Month Maturity  Maturity 
6 Month .15 .15 $2,500 3 Month Quarterly  Quarterly 
12 Month .25 .25 $500 3 Month Quarterly  Quarterly 
15 Month .25 .25 $500 3 Month Quarterly  Quarterly 
18 Month .30 .30 $500 6 Month Quarterly  Quarterly 
24 Month .40 .40 $500 6 Month Quarterly  Quarterly 
30 Month .55 .55 $500 6 Month Quarterly  Quarterly 
36 Month .55 .55 $500 12 Month Quarterly  Quarterly 
60 Month 1.05 1.05 $500 12 Month Quarterly  Quarterly 

Certificate of Deposit "Specials"

Term
Interest Rate 
Annual Percentage Yield 
Minimum to Open 
Interest Penalty
Comp. Freq. 
Int. Paid When Comp.
19 Month .40 .40 $500 6 Month Quarterly Quarterly
48 Month .75 .75 $500 12 Month Quarterly Quarterly
30 Month "Step Up" .55 .55 $500 6 Month Quarterly Quarterly


Rate information posted on the Bank of Pontiac Web Site is subject to change. Please call to confirm rate information. Fees could reduce the earnings on the account. CDs are subject to interest penalty for early withdrawal. The CD specials listed above may renew into different lengths of maturity upon renewal.

For questions about our deposit accounts, please read our Deposit Disclosure.