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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 APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
Up to $50,0003.93%4.00%Daily BalanceMonthly
$50,000.01 to $100,0001.74%1.75%Daily BalanceMonthly
Over $100,0000.04%0.04%Daily BalanceMonthly

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 APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$50,000 & Over0.60%0.60%Daily BalanceMonthly
$20,000 to $49,9990.60%0.60%Daily BalanceMonthly
$7,501 to $19,9990.60%0.60%Daily BalanceMonthly
Up to $75000.10%0.10%Daily BalanceMonthly

Private Client Money Market Checking

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$50,000 & Over0.85%0.85%Daily BalanceMonthly
$20,000 to $49,9990.85%0.85%Daily BalanceMonthly
$7,501 to $19,0000.85%0.85%Daily BalanceMonthly
Up to $7,5000.35%0.35%Daily BalanceMonthly

Combined deposit accounts of $250,000 or more and an active checking account is required.


ViewPoint Checking

 

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$5,000 & Over0.10%0.10%Daily BalanceMonthly
$1,500 to $4,9990.10%0.10%Daily BalanceMonthly

Closed to new participants.

Regular Savings

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$250 & Over0.40%0.40%Daily BalanceMonthly

Kid's Club Savings

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$100 & Over0.40%0.40%Daily BalanceMonthly

IRA Savings

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$250 & Over0.40%0.40%Daily BalanceMonthly

Coverdell Education Savings

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$25 & Over0.40%0.40%Daily BalanceMonthly

More Moolah Money Market

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$7,500 to $1,000,0001.34%1.35%Daily BalanceMonthly

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 APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$10,000 & Over0.60%0.60%Daily BalanceMonthly
$2,500 - $9,9990.10%0.10%Daily BalanceMonthly

Ultimate Savings

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$250,000 & Over1.09%1.10%Daily BalanceMonthly
$50,000 to $249,9990.85%0.85%Daily BalanceMonthly
$20,000 to $49,9990.60%0.60%Daily BalanceMonthly
$10,000 to $19,9990.35%0.35%Daily BalanceMonthly
$5,000 to $9,9990.10%0.10%Daily BalanceMonthly

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 APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$1,000 & Over0.40%0.40%Daily BalanceMonthly

Premier Fund III

Minimum to earn APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$50,000 & Over0.85%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 APYInterest RateAnnual Percentage Yield (APY)Interest Calculation MethodWhen Interest is Paid
$100,000 & Over0.85%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.

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