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Bay Bank & Trust Co |
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Current Deposit & CD Rates as of 09/7/2010 |
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Â
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PERSONALÂ DEPOSITÂ Â ACCOUNTSÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â |
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Â
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Super Interest Checking
(Minimum Deposit to Open $500.00) |
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Balance Required |
* Rate |
**APY |
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Tier 1 |
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$0 - $4,999.99 |
0.05% |
0.05% |
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Tier 2 |
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$5,000 - $24,999.99 |
0.10% |
0.10% |
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Tier 3 |
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$25,000 - $49,999.99 |
0.15% |
0.15% |
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Tier 4 |
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$50,000 or more |
0.25% |
0.25% |
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Â
Premier & Premier Plus
(Minimum Deposit to Open $50.00) |
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Balance Required |
* Rate |
**APY |
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Single Tier |
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$1,000 or More |
0.05% |
0.05% |
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Prime Money Market
(Minimum Deposit to Open $2,500.00) |
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Balance Required |
* Rate |
**APY |
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Tier 1 |
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$0 - $2,499.99 |
0.05% |
0.05% |
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Tier 2 |
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$2,500 - $Â 9,999.99 |
0.15% |
0.15% |
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Tier 3 |
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$10,000 - $49,999.99 |
0.20% |
0.20% |
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Tier 4 |
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$50,000 - $99,999.99 |
0.30% |
0.30% |
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Tier 5 |
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$100,000 or More |
0.45% |
0.45% |
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Â
Super Savings
(Minimum Deposit to Open $50.00) |
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Balance Required |
* Rate |
**APY |
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Tier 1 |
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$0 - $2,499.99 |
0.25% |
0.25% |
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Tier 2 |
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$2,500 - $Â 9,999.99 |
0.25% |
0.25% |
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Tier 3 |
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$10,000 - $24,999.99 |
0.30% |
0.30% |
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Tier 4 |
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$25,000 or more |
0.50% |
0.50% |
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Â
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COMMERCIALÂ DEPOSITÂ Â ACCOUNTS |
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Â
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Business Interest Checking
(Minimum Deposit $1,000) |
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Balance Required |
* Rate |
**APY |
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Single Tier |
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$ 0 or More |
0.05% |
0.05% |
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Business Money Market
(Minimum Deposit $2,500.00) |
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Balance Required |
* Rate |
**APY |
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Tier 1 |
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$0 - $2,499.99 |
0.05% |
0.05% |
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Tier 2 |
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$2,500 - $Â 9,999.99 |
0.15% |
0.15% |
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Tier 3 |
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$10,000 - $49,999.99 |
0.20% |
0.20% |
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Tier 4 |
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$50,000 - $99,999.99 |
0.30% |
0.30% |
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Tier 5 |
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$100,000 or More |
0.45% |
0.45% |
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Business Savings
(Minimum Deposit $100.00) |
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Balance Required |
* Rate |
**APY |
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Single Tier |
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$0 or More |
0.25% |
0.25% |
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Â
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PERSONAL AND BUSINESS TIME DEPOSITS
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$500.00 Minimum Deposit Required on All Time Deposits |
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Time Deposits |
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   * Rate |
**APY |
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14 - 31 Days Time Deposit |
0.25% |
0.25% |
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32 - 89 Days Time Deposit |
0.50% |
0.50% |
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90 - 180 Days Time Deposit |
0.50% |
0.50% |
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6 Months Time Deposit |
0.80% |
0.80% |
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9 Months Time Deposit |
0.80% |
0.80% |
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12 Months Time Deposit |
1.05% |
1.05% |
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18 Months Time Deposit |
1.10% |
1.10% |
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24 Months Time Deposit |
1.50% |
1.50% |
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30 Months Time Deposit |
1.55% |
1.55% |
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36 Months Time Deposit |
1.75% |
1.75% |
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60 Months Time Deposit |
2.00% |
2.00% |
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Â
PERSONALÂ Â IRAÂ Â TIMEÂ Â Â DEPOSITS |
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   * Rate |
**APY |
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90 - 180 Days Time Deposit |
0.50% |
0.50% |
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6 Months Time Deposit |
0.80% |
0.80% |
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9 Months Time Deposit |
0.80% |
0.80% |
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12 Months Time Deposit |
1.05% |
1.05% |
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18 Months Time Deposit |
1.10% |
1.10% |
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18 Months Variable Open Time Deposit |
1.10% |
1.10% |
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18 Mo Variable 100K Open Time Deposit |
1.20% |
1.21% |
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24 Months Time Deposit |
1.50% |
1.50% |
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30 Months Time Deposit |
1.55% |
1.55% |
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36 Months Time Deposit |
1.75% |
1.75% |
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60 Months Time Deposit |
2.00% |
2.00% |
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*Rates are subject to change without notice |
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** APY = Annual Percentage Yield |
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