CERTIFICATES OF DEPOSIT
AND IRA CERTIFICATES OF DEPOSIT
Term
Interest Rate
Annual Percentage Yield
30 DAYS
0.00
.00
90 DAYS
0.50
0.50
180 DAYS
0.75
0.75
1 YEAR
1.20
1.21
18 MOS.
1.20
1.21
2 YEARS
1.60
1.61
3 YEARS
1.80
1.81
4 YEARS
1.80
1.81
5 YEARS
2.45
2.47
*********************
SPECIALS
*********************
15 MONTH
0.75
0.75
27 MONTH
0.75
0.75
*Certain
restrictions may apply
30 and 90 Day CD's not applicable to IRA
Accounts
15 and 27 Month Specials not applicable to IRA
Accounts
Minimum Balance of $1,000.00 to open a CD and to earn the
annual percentage yield.
*Annual Percentage Yield is based on quarterly
compounding.
*A penalty may be assessed for early withdrawals.
30 MONTH CERTIFICATE OF DEPOSIT
Term 30 Month
Interest Rate
Annual Percentage Yield
Less than $95,000.00
1.8800
1.89
Minimum
balance of $5,000.00 to open a CD and to earn the annual percentage yield
Greater than $95,000.000
1.6400
1.65
Minimum balance of $95,000.00 to open a CD and to
earn the annual percentage yield.
Two
rate increases will be allowed during the term of the CD
based
on the product rate at that time.
Annual
Percentage Yield is based on quarterly compounding.
Additions
will be allowed – Minimum deposit $5,000.00.
A
penalty may be assessed for early withdrawals.
30
Month Certificate is not applicable to IRA Accounts
Member FDIC
INTEREST BEARING
ACCOUNTS
Tier Level
Interest Rate
Annual Percentage Yield
NOW Account* (Minimum balance of $1,500.00 required to earn the annual percentage
yield. Minimum opening deposit is $100.00.)
Less than $1,499.99
0.00
0.00
$1,500 - $9,999.99
0.10
0.10
$10,000-$24,999.99
0.15
0.15
$25,000-$74,999.99
0.30
0.30
Greater than $75,000.00
0.50
0.50
Synergy One Account* (Minimum
balance of $2,500.00 required to earn the annual percentage yield. Minimum
opening deposit is $100.00.)
Less than $2,499.99
0.00
0.00
$2500.00-$24,999.99
0.20
0.20
$25,000-$49,999.99
0.35
0.35
$50,000.00-$99,999.99
0.40
0.40
Greater than $100,000.00
0.50
0.50
Synergy Select Checking* (Minimum
balance of $15,000.00 required to earn the annual percentage yield. Minimum
opening deposit is $15,000.00.)
Less than $14,999.99
0.00
0.00
$15,000.00 - $19,999.99
0.10
0.10
$20,000.00 - $49,999.99
0.30
0.30
$50,000.00 - $99,999.99
0.75
0.75
$100,000.00 to $249,999.99
0.95
0.95
Greater than $250,000.00
1.10
1.11
Money Market Account* (Minimum
balance of $2,500.00 required to earn the annual percentage yield. Minimum
opening deposit is $2,500.00.)
Less than $2,499.99
0.00
0.00
$2,500.00 - $9,999.99
0.10
0.10
$10,000.00 - $24,999.99
0.30
0.30
$25,000.00 - $49,999.99
0.75
0.75
Greater
than $50,000.00
0.95
0.95
Cash Advantage Account* (Minimum balance
of $2,500.00 required to earn the annual percentage yield. Minimum opening
deposit is $2,500.00.)
Less than $2,499.99
0.00
0.00
$2,500 - $9,999.99
0.40
0.40
$10,000.00-$49,999.99
0.50
0.50
$50,000-$99,999.99
0.85
0.85
Greater than $100,000
0.95
0.95
Regular
Savings Account* (Minimum
balance of $100.00 required to earn the annual percentage yield. Minimum
opening deposit is $100.00.)
Less than $100
0.00
0.00
Greater than $100
0.25
0.25
Student
Saver Account* (Minimum
balance of $1.00 required to earn the annual percentage yield. Minimum
opening deposit is $1.00.) (For minors; must be under 18 years of age)
Greater than $1.00
.50
.50
*Variable rate accounts
may change after the account is opened.
*Fees can reduce your
earnings.
Synergy Bank, SSB is chartered
under the laws of the State of Texas and by state law is subject to regulatory
oversight by the Texas Department of Savings and Mortgage Lending. Any consumer
wishing to file a complaint against Synergy Bank, SSB should contact the Texas
Department of Savings and Mortgage Lending through one of the means indicated below:
In Person or by U.S. Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas
78705-4294, Telephone: (877) 276-5550, Fax: (512) 475-1360, E-Mail
SMLINFO@sml.state.tx.us.
