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Consumer Rates
Take Advantage of Our Great Rates
At San Diego National Bank we know you want the best return on your money. In addition to the numerous other benefits of doing business with us, you can always count on a solid rate of return.
Consumer Rates
Your bank account can grow with us. Find out how much you can earn just by saving. See our rates below.
Rates Table
Effective Date: 05/07/2008
Checking Accounts |
|
| Free Checking | |
| Minimum to Open: | $100 |
| Minimum Balance Required to Avoid Service Charge: | None |
| FREE BankRewards Visa® Check Card: | Yes |
| FREE Online Banking and Bill Payment: | Yes |
| Value Checking | |
| Minimum to Open:1 | $100 |
| Minimum Balance To Obtain APY: | $.01 |
| Annual Percentage Yield:3 | 0.75% APY |
| Minimum Balance Required to Avoid Service Charge: | $500 or $10,000 in combined deposits |
| FREE BankRewards Visa® Check Card: | Yes |
| FREE NSF Waiver: | One per year |
| FREE Online Banking and Bill Payment: | Yes |
| More Free Services: |
|
| Market Rate Checking | |
| Minimum to Open:1 | $100 |
| Annual Percentage Yield:3 |
|
| Minimum Balance Required to Avoid Service Charge: | $10,000 or $25,000 in combined desposits |
| FREE BankRewards Visa® Check Card: | Yes |
| FREE NSF Waiver: | One per year |
| FREE Online Banking and Bill Payment: | Yes |
| More Free Services: |
|
Savings Accounts |
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| Min. Opening Deposit1 | Min. Balance To Obtain APY2 | Interest Rate3 | APY4 | |
| Statement Savings | $100.00 | $0.01 | 1.00% | 1.00% |
Tiered Money Market Account |
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| Min. Opening Deposit1 | $2,500.00 | ||
| Account Balance | Min. Balance To Obtain APY2 | Interest Rate3 | APY |
| $0-$9,999.99 | $0.01 | 0.80% | 0.80% |
| $10,000-$24,999.99 | $10,000.00 | 1.24% | 1.25% |
| $25,000-$49,999.99 | $25,000.00 | 1.49% | 1.50% |
| $50,000-$99,999.99 | $50,000.00 | 2.23% | 2.25% |
| $100,000+ | $100,000.00 | 2.72% | 2.75% |
Certificates of Deposit |
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| Min. Opening Deposit | Min. Balance To Obtain APY2 | Interest Rate | APY4 | |
| Variable Rate RetirementCD | $500.00 | $0.01 | 2.45% | 2.48% |
| Retirement CD - Fixed Rate | $500.00 | $0.01 | Refer to CD Rates | |
Special Certificates |
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| Min Balance | Terms | Interest Rate | APY5 | |
| $10,000.00 | 5 mo. | 3.01% | 3.05% | |
Consumer Regular Certificates |
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| Min Balance | Max Balance | Terms | Interest Rate | APY4 |
| $2,500.00 | $99,999.00 | 36 mo. | 2.42% | 2.45% |
| $2,500.00 | $99,999.00 | 24 mo. | 2.42% | 2.45% |
| $2,500.00 | $99,999.00 | 12 mo. | 2.42% | 2.45% |
| $2,500.00 | $99,999.00 | 6 mo. | 1.93% | 1.95% |
| $2,500.00 | $99,999.00 | 3 mo. | 1.69% | 1.70% |
| $2,500.00 | $99,999.00 | 2 mo. | 1.00% | 1.00% |
| $2,500.00 | $99,999.00 | 1 mo. | 1.00% | 1.00% |
Consumer Jumbo Certificates |
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| Min Balance | Terms | Interest Rate | APY4 | |
| $100,000.00 | 36 mo. | 2.47% | 2.50% | |
| $100,000.00 | 24 mo. | 2.47% | 2.50% | |
| $100,000.00 | 12 mo. | 2.47% | 2.50% | |
| $100,000.00 | 6 mo. | 1.98% | 2.00% | |
| $100,000.00 | 3 mo. | 1.74% | 1.75% | |
| $100,000.00 | 2 mo. | 1.05% | 1.06% | |
| $100,000.00 | 1 mo. | 1.05% | 1.06% | |
1The stated "Minimum to Open" an account may not meet the minimum balance to waive monthly maintenance fees.
2The minimum balance to obtain APY is determined using the daily balance method. That is, in order to earn the stated rate, the balance amount indicated must be maintained each day during the interest payment period.
3All accounts listed except Certificates are variable rate accounts. As such, the interest rate and Annual Percentage Yield may change at any time. Fees could reduce the earnings on these accounts.
4The APY assumes that interest will remain on deposit until maturity. If interest is withdrawn prior to maturity, earnings will be reduced.
5CD will renew at the regular 6-month term and 6-month interest rate and APY. Substantial penalty for early withdrawal of funds. Interest is compounded and paid at maturity. $2,500 minimum deposit to open and earn APY. All other certificate terms and conditions apply. Offer subject to change without notice. The APY assumes that interest will remain on deposit until maturity. If interest is withdrawn prior to maturity, earnings will be reduced.
Important Note: This document is to be used in conjunction with other disclosure information about your accounts. Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period. Additional Certificate of Deposit items, corresponding APYs, and Interest Rates are available upon request. The interest rates and Annual Percentage Yields disclosed for time deposit accounts with terms of 30 days or more assume that interest on the account will be compounded and credited monthly.
For all Certificates, a substantial penalty will be applied if funds are withdrawn prior to maturity.
* 3"x5" box or smaller. Setup fee and first year rent waived. Safe Deposit boxes may not be available at all locations.
** Basic safety check pattern.
