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Rates - Checking / Savings / Money Market
APY is accurate as of 02/03/2012
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. See the Account Disclosure for terms and conditions. APY = Annual Percentage Yield.
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| Up to $25,000 | 1.98% | 2.00% | Daily Balance | Monthly |
| Above $25,000 to $100,000 | 0.10% | 0.10% | Daily Balance | Monthly |
| Over $100,000 | 0.10% | 0.10% | Daily Balance | Monthly |
Rates are determined based on activity of the prior month. If requirements are met, the above rates are paid per balance tier. All non-qualifying accounts will earn 0.03% APY.
Money Market Checking
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| Over $49,999 | 0.05% | 0.05% | Daily Balance | Monthly |
| Above $19,999 but not exceeding $49,999 | 0.05% | 0.05% | Daily Balance | Monthly |
| Above $7,500 but not exceeding $19,999 | 0.05% | 0.05% | Daily Balance | Monthly |
| Up to but not exceeding $7,500 | 0.05% | 0.05% | 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 |
| Over $49,999 | 0.10% | 0.10% | Daily Balance | Monthly |
| Above $19,999 but not exceeding $49,999 | 0.10% | 0.10% | Daily Balance | Monthly |
| Above $7,500 but not exceeding $19,999 | 0.10% | 0.10% | Daily Balance | Monthly |
| Up to but not exceeding $7,500 | 0.10% | 0.10% | 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 |
| Over $4,999 | 0.01% | 0.01% | Daily Balance | Monthly |
| Above $1,500 but not exceeding $4,999 | 0.01% | 0.01% | 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 | 0.05% | 0.05% | 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 | 0.05% | 0.05% | Daily Balance | Monthly |
IRA Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $250 & Over | 0.05% | 0.05% | 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 | 0.05% | 0.05% | 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 and Over | 0.20% | 0.20% | Daily Balance | Monthly |
Money Market Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| Over $9,999 | 0.10% | 0.10% | Daily Balance | Monthly |
| Above $2,500 but not exceeding $9,999 | 0.05% | 0.05% | Daily Balance | Monthly |
Ultimate Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| Over $249,999 | 0.20% | 0.20% | Daily Balance | Monthly |
| Above $49,999 but not exceeding $249,999 | 0.10% | 0.10% | Daily Balance | Monthly |
| Above $19,999 but not exceeding $49,999 | 0.10% | 0.10% | Daily Balance | Monthly |
| Above $9,999 but not exceeding $19,999 | 0.10% | 0.10% | Daily Balance | Monthly |
| Above $5,000 but not exceeding $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 | 0.05% | 0.05% | 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 | 0.20% | 0.20% | Daily Balance | 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 Savings
| Minimum to earn APY | Interest Rate | Annual Percentage Yield (APY) | Interest Calculation Method | When Interest is Paid |
| $100,000 & Over | 0.30% | 0.30% | Daily Balance | Monthly |
This fund may be temporarily closed to new participants and/or deposits and transfers at the discretion of ViewPoint Bank.
Each depositor is insured to at least $250,000 for interest bearing accounts. Unlimited coverage for noninterest-bearing transaction accounts until December 31, 2012.
