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Rates - Checking / Savings / Money Market
APY is accurate as of 11/20/2009
The rates quoted below are variable rates and are subject to change any time after the account is open without notice. Fees could reduce the earnings on accounts.
Absolute Checking
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| Up to $50,000 | 3.93% | 4.00% | Daily Balance | Monthly |
| $50,000.01 to $100,000 | 1.74% | 1.75% | Daily Balance | Monthly |
| Over $100,000 | 0.04% | 0.04% | Daily Balance | Monthly |
Rates subject to change. APY = annual percentage yield. APY tiered based on daily account balance. Dollars up to $50,000 - 4.00% APY; dollars $50,000.01 to $100,000 - 1.75% APY; dollars over $100,000 - 0.04% APy. Rates will be determined based on the activity of the prior month. See the Account Disclosure for terms and conditions.
Interest example: $110,000 daily balance would earn:
4.00% APY on the first $50,000
1.75% APY on the next $50,000
0.04% APY on the remaining $10,000
Money Market Checking
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $50,000 & Over | 0.60% | 0.60% | Daily Balance | Monthly |
| $20,000 to $49,999 | 0.60% | 0.60% | Daily Balance | Monthly |
| $7,501 to $19,999 | 0.60% | 0.60% | Daily Balance | Monthly |
| Up to $7500 | 0.10% | 0.10% | Daily Balance | Monthly |
Private Client Money Market Checking
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $50,000 & Over | 0.85% | 0.85% | Daily Balance | Monthly |
| $20,000 to $49,999 | 0.85% | 0.85% | Daily Balance | Monthly |
| $7,501 to $19,000 | 0.85% | 0.85% | Daily Balance | Monthly |
| Up to $7,500 | 0.35% | 0.35% | Daily Balance | Monthly |
Combined deposit accounts of $250,000 or more and an active checking account is required.
ViewPoint Checking
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $5,000 & Over | 0.10% | 0.10% | Daily Balance | Monthly |
| $1,500 to $4,999 | 0.10% | 0.10% | Daily Balance | Monthly |
Closed to new participants.
Regular Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $250 & Over | 0.40% | 0.40% | Daily Balance | Monthly |
Kid's Club Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $100 & Over | 0.40% | 0.40% | Daily Balance | Monthly |
IRA Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $250 & Over | 0.40% | 0.40% | Daily Balance | Monthly |
Coverdell Education Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $25 & Over | 0.40% | 0.40% | Daily Balance | Monthly |
More Moolah Money Market
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $7,500 to $1,000,000 | 1.34% | 1.35% | Daily Balance | Monthly |
Rates subject to change. APY = annual percentage yield. APY tiered based on account balance. $7,500 - $1,000,000 including interest = 1.35% APY. $1,000,001 - $2,499,999 including interest = 1.00% APY. $2,500,000 - $4,999,999 including interest = 1.10% APY. $5,000,000+ = 1.25% APY. $7,500 is the minimum deposit required to open this account. Should account fall below minimum opening deposit a monthly $15 fee will be assessed and rate reverts to current regular savings rate. Service charges and fees may reduce earnings in the account. See Account Disclosure for terms and conditions.
Money Market Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $10,000 & Over | 0.60% | 0.60% | Daily Balance | Monthly |
| $2,500 - $9,999 | 0.10% | 0.10% | Daily Balance | Monthly |
Ultimate Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $250,000 & Over | 1.09% | 1.10% | Daily Balance | Monthly |
| $50,000 to $249,999 | 0.85% | 0.85% | Daily Balance | Monthly |
| $20,000 to $49,999 | 0.60% | 0.60% | Daily Balance | Monthly |
| $10,000 to $19,999 | 0.35% | 0.35% | Daily Balance | Monthly |
| $5,000 to $9,999 | 0.10% | 0.10% | Daily Balance | Monthly |
This fund may be temporarily closed to new participants and/or deposits and transfers at the discretion of ViewPoint Bank.
IRA Ultimate Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $1,000 & Over | 0.40% | 0.40% | Daily Balance | Monthly |
Premier Fund III
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $50,000 & Over | 0.85% | 0.85% | Daily balance. Interest Rate will not have a floor. | Monthly |
Interest rate will not have a floor. This fund may be temporarily closed to new participants and/or deposits and transfers at the discretion of ViewPoint Bank.
Platinum Premier Fund
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $100,000 & Over | 0.85% | 0.85% | Daily Balance. See Account Disclosure for terms and conditions. | Monthly |
See Account Disclosure for terms and conditions. This fund may be temporarily closed to new participants and/or deposits and transfers at the discretion of ViewPoint Bank.