| MutualBank | ||||||
| Deposit Rates * | ||||||
| Koscuisko/Elkhart County | ||||||
| APY Accurate as of 05/16/12 - no changes | ||||||
| APY = Annual Percentage Yield | ||||||
| UChoose Checking Products | Business Checking | |||||
| Build Your Account | Minimum opening balance $100.00 | |||||
| Business Checking | Rate (%) | APY (%) | ||||
| Option 1 | Earnings Credit | 0.50% | N/A | |||
| Minimum opening balance $100.00 | Interest (if applicable) | 0.25% | 0.25% | |||
| Non-interest bearing account | ||||||
| Minimum opening balance $1,000.00 | ||||||
| Option 2** | Business Checking with Interest* | |||||
| Minimum opening balance $100.00 | Rate (%) | APY (%) | ||||
| Rate (%) | APY (%) | $ 0 - $ 49,999 | 0.10% | 0.10% | ||
| $ 0 - $ 2,499.99 | 0.05% | 0.05% | $ 50,000 - $ 99,999 | 0.20% | 0.20% | |
| $ 2,500 - $ 49,999.99 | 0.05% | 0.05% | $ 100,000 or greater | 0.20% | 0.20% | |
| $ 50,000 or greater | 0.05% | 0.05% | ||||
| Business Money Market** | ||||||
| Option 3** | Minimum opening balance $2,500.00 | |||||
| Minimum opening balance $500.00 | Rate (%) | APY (%) | ||||
| Rate (%) | APY (%) | $ 0 - $ 49,999 | 0.10% | 0.10% | ||
| $ 0 - $ 9,999.99 | 0.00% | 0.00% | $ 50,000 - $ 99,999 | 0.25% | 0.25% | |
| $ 10,000 - $ 24,999.99 | 0.10% | 0.10% | $ 100,000 or greater | 0.50% | 0.50% | |
| $ 25,000 - $ 49,999.99 | 0.10% | 0.10% | ||||
| $ 50,000 or greater | 0.10% | 0.10% | Community Checking** | |||
| Minimum opening balance $100.00 | ||||||
| Rate (%) | APY (%) | |||||
| Concierge Banking** | $ 0 - $ 9,999.99 | 0.10% | 0.10% | |||
| Minimum opening balance $500.00 | $ 10,000 - $ 49,999.99 | 0.10% | 0.10% | |||
| Rate (%) | APY (%) | $ 50,000 - $ 99,999.99 | 0.15% | 0.15% | ||
| $ 0 - $ 24,999.99 | 0.40% | 0.40% | $ 100,000 - $ 249,999.99 | 0.25% | 0.25% | |
| $ 25,000 - $ 49,999.99 | 0.50% | 0.50% | $ 250,000 - $499,999.99 | 0.25% | 0.25% | |
| $ 50,000 - $ 99,999.99 | 0.70% | 0.70% | $ 500,000 or greater | 0.25% | 0.25% | |
| $ 100,000 - $ 999,999.99 | 0.80% | 0.80% | ||||
| $ 1,000,000 or greater | 0.90% | 0.90% | Health Savings Account** | |||
| No minimun opening balance requirement | ||||||
| Investor's Gold** | Rate (%) | APY (%) | ||||
| Minimum opening balance $2,500.00 | $ 0 - $ 499.99 | 0.10% | 0.10% | |||
| Rate (%) | APY (%) | $ 500 - $ 2,499.99 | 0.25% | 0.25% | ||
| $ 0 - $ 2,499.99 | 0.10% | 0.10% | $ 2,500 - $ 4,999.99 | 0.40% | 0.40% | |
| $ 2,500 - $ 19,999.99 | 0.15% | 0.15% | $ 5,000 - $ 14,999.99 | 0.75% | 0.75% | |
| $ 20,000 - $ 49,999.99 | 0.25% | 0.25% | $ 15,000 or greater | 0.75% | 0.75% | |
| $50,000 - $94,999.99 | 0.35% | 0.35% | ||||
| $95,000 or greater | 0.35% | 0.35% | * FDIC Insured | |||
| * Fees may reduce Earnings | ||||||
| ** Rates subject to change after account opening | ||||||
| † Penalty for Early Withdrawal. | ||||||
| Certificates of Deposit † | ||||||
| Rate (%) | APY (%) | Rate (%) | APY (%) | |||
| Minimum opening balance $10,000.00 | Minimum opening balance $500.00 | |||||
| 7 Day | 24 - 35 Months (2-3 YR) | |||||
| $10,000 - $ 19,999 | 0.05% | 0.05% | $ 0 - $ 49,999 | 0.55% | 0.55% | |
| $ 20,000 - $ 49,999 | 0.10% | 0.10% | $ 50,000 - $ 74,999 | 0.60% | 0.60% | |
| $ 50,000 - $ 94,999 | 0.10% | 0.10% | $ 75,000 - $ 94,999 | 0.65% | 0.65% | |
| $ 95,000 + | 0.15% | 0.15% | $ 95,000 + | 0.70% | 0.70% | |
| Minimum opening balance $1,000.00 | Minimum opening balance $500.00 | |||||
| 30 - 90 Days | 36 - 47 Months (3-4 YR) | |||||
| $ 0 - $ 49,999 | 0.15% | 0.15% | $ 0 - $ 49,999 | 0.75% | 0.75% | |
| $ 50,000 - $ 74,999 | 0.20% | 0.20% | $ 50,000 - $ 74,999 | 0.80% | 0.80% | |
| $ 75,000 - $ 94,999 | 0.25% | 0.25% | $ 75,000 - $ 94,999 | 0.85% | 0.85% | |
| $ 95,000 + | 0.30% | 0.30% | $ 95,000 + | 0.90% | 0.90% | |
| Minimum opening balance $1,000.00 | Minimum opening balance $500.00 | |||||
| 91 - 181 Days (3-5 MO) | 48 - 59 Months (4-5 YR) | |||||
| $ 0 - $ 49,999 | 0.15% | 0.15% | $ 0 - $ 49,999 | 1.00% | 1.00% | |
| $ 50,000 - $ 74,999 | 0.20% | 0.20% | $ 50,000 - $ 74,999 | 1.05% | 1.05% | |
| $ 75,000 - $ 94,999 | 0.25% | 0.25% | $ 75,000 - $ 94,999 | 1.10% | 1.10% | |
| $ 95,000 + | 0.30% | 0.30% | $ 95,000 + | 1.15% | 1.15% | |
| Minimum opening balance $1,000.00 | Minimum opening balance $500.00 | |||||
| 182 - 364 Days (6-11 MO) | 60 - 71 Months (5-6 YR) | |||||
| $ 0 - $ 49,999 | 0.20% | 0.20% | $ 0 - $ 49,999 | 1.25% | 1.26% | |
| $ 50,000 - $ 74,999 | 0.25% | 0.25% | $ 50,000 - $ 74,999 | 1.30% | 1.31% | |
| $ 75,000 - $ 94,999 | 0.30% | 0.30% | $ 75,000 - $ 94,999 | 1.35% | 1.36% | |
| $ 95,000 + | 0.35% | 0.35% | $ 95,000 + | 1.40% | 1.41% | |
| Minimum opening balance $500.00 | Minimum opening balance $500.00 | |||||
| 12 - 23 Months (1-2 YR) | 72 - 83 Months (6-7 YR) | |||||
| $ 0 - $ 49,999 | 0.35% | 0.35% | $ 0 - $ 49,999 | 1.50% | 1.51% | |
| $ 50,000 - $ 74,999 | 0.40% | 0.40% | $ 50,000 - $ 74,999 | 1.55% | 1.56% | |
| $ 75,000 - $ 94,999 | 0.45% | 0.45% | $ 75,000 - $ 94,999 | 1.60% | 1.61% | |
| $ 95,000 + | 0.50% | 0.50% | $ 95,000 + | 1.65% | 1.66% | |
| Minimum opening balance $1,000.00 | ||||||
| Minimum opening balance $25.00 | 3 Yr Worry Free | |||||
| Clockwork | 0.50% | 0.50% | $ 0 - $ 49,999 | 0.50% | 0.50% | |
| Home Buyer | 0.50% | 0.50% | $ 50,000 - $ 74,999 | 0.55% | 0.55% | |
| Personal Savings** | $ 75,000 - $ 94,999 | 0.60% | 0.60% | |||
| Minimum opening balance $100.00 | $ 95,000 + | 0.65% | 0.65% | |||
| Rate (%) | APY (%) | Minimum opening balance $1,000.00 | ||||
| Statement** | 0.05% | 0.05% | 5 Yr Worry Free | |||
| Minimum opening balance $10.00 | $ 0 - $ 49,999 | 1.00% | 1.00% | |||
| Cool S.A.M.** | 0.05% | 0.05% | $ 50,000 - $ 74,999 | 1.05% | 1.05% | |
| $ 75,000 - $ 94,999 | 1.10% | 1.10% | ||||
| 9 Month No Penalty CD*** | $ 95,000 + | 1.15% | 1.15% | |||
| Minimum opening balance $10,000.00 | ||||||
| Rate (%) | APY(%) | * FDIC Insured | ||||
| 0.10% | 0.10% | * Fees may reduce Earnings | ||||
| ***Principal and interest can be withdrawn without penalty on or after the 7th day. Withdrawals of principal within the first 6 days will be assessed a penalty equal to 7 days interest whether earned or not. Partial withdrawals of principal not allowed. | ** Rates subject to change after account opening | |||||
| † Penalty for Early Withdrawal | ||||||
| ^ Rates are not applicable for Public Funds | ||||||
| Consumer accounts only. | ||||||
| IRA Certificates of Deposit † | ||||||
| Rate (%) | APY (%) | Rate (%) | APY (%) | |||
| $100 Minimum | $100 Minimum | |||||
| 12 - 23 Months (1-2 YR) | 60 - 71 Months (5-6 YR) | |||||
| $ 0 - $ 49,999 | 0.35% | 0.35% | $ 0 - $ 49,999 | 1.25% | 1.26% | |
| $ 50,000 - $ 74,999 | 0.40% | 0.40% | $ 50,000 - $ 74,999 | 1.30% | 1.31% | |
| $ 75,000 - $ 94,999 | 0.45% | 0.45% | $ 75,000 - $ 94,999 | 1.35% | 1.36% | |
| $ 95,000 + | 0.50% | 0.50% | $ 95,000 + | 1.40% | 1.41% | |
| $100 Minimum | $100 Minimum | |||||
| 24 - 35 Months (2-3 YR) | 72 - 83 Months (6-7 YR) | |||||
| $ 0 - $ 49,999 | 0.55% | 0.55% | $ 0 - $ 49,999 | 1.50% | 1.51% | |
| $ 50,000 - $ 74,999 | 0.60% | 0.60% | $ 50,000 - $ 74,999 | 1.55% | 1.56% | |
| $ 75,000 - $ 94,999 | 0.65% | 0.65% | $ 75,000 - $ 94,999 | 1.60% | 1.61% | |
| $ 95,000 + | 0.70% | 0.70% | $ 95,000 + | 1.65% | 1.66% | |
| $100 Minimum | $1,000 Minimum | |||||
| 36 - 47 Months (3-4 YR) | 3 Yr Worry Free | |||||
| $ 0 - $ 49,999 | 0.75% | 0.75% | $ 0 - $ 49,999 | 0.50% | 0.50% | |
| $ 50,000 - $ 74,999 | 0.80% | 0.80% | $ 50,000 - $ 74,999 | 0.55% | 0.55% | |
| $ 75,000 - $ 94,999 | 0.85% | 0.85% | $ 75,000 - $ 94,999 | 0.60% | 0.60% | |
| $ 95,000 + | 0.90% | 0.90% | $ 95,000 + | 0.65% | 0.65% | |
| $100 Minimum | $1,000 Minimum | |||||
| 48 - 59 Months (4-5 YR) | 5 Yr Worry Free | |||||
| $ 0 - $ 49,999 | 1.00% | 1.00% | $ 0 - $ 49,999 | 1.00% | 1.00% | |
| $ 50,000 - $ 74,999 | 1.05% | 1.05% | $ 50,000 - $ 74,999 | 1.05% | 1.05% | |
| $ 75,000 - $ 94,999 | 1.10% | 1.10% | $ 75,000 - $ 94,999 | 1.10% | 1.10% | |
| $ 95,000 + | 1.15% | 1.15% | $ 95,000 + | 1.15% | 1.15% | |
| $100 Minimum | IRA CD Special Rates † | |||||
| IRA Savings | ||||||
| $ 0 - $ 2,499 | 0.05% | 0.05% | Minimum opening balance $2,500.00 | |||
| $ 2,500 - $ 19,999 | 0.05% | 0.05% | Rate (%) | APY(%) | ||
| $ 19,999 - $ 49,999 | 0.10% | 0.10% | 20 MONTH SPECIAL | |||
| $ 49,999 -$ 94,999 | 0.10% | 0.10% | $ 2,500 & Over | 0.70% | 0.70% | |
| $ 95,000 + | 0.15% | 0.15% | ||||
| 49 MONTH SPECIAL | ||||||
| $ 2,500 & Over | 1.65% | 1.66% | ||||
| Regular CD Special Rates † ^ | ||||||
| Minimum opening balance $2,500.00 | ||||||
| Rate (%) | APY(%) | |||||
| 10 MONTH SPECIAL | ||||||
| $ 2,500 & Over | 0.45% | 0.45% | ||||
| * FDIC Insured | ||||||
| * Fees may reduce Earnings | 20 MONTH SPECIAL | |||||
| † Penalty for Early Withdrawal. | $ 2,500 & Over | 0.70% | 0.70% | |||
| 49 MONTH SPECIAL | ||||||
| $ 2,500 & Over | 1.65% | 1.66% | ||||