| Personal Checking Personal Savings Business Checking Current Certificate of Deposit |
Current Jumbo Certificate of Deposit Consumer Loans Current Deposit Rates |
|
All rates effective as of 3/24/2008
| Capital Checking | Capital NOW Checking | |
| Interest rate | -- | 2.50% APY* for balances $2,500 and over |
| 1.25% APY* for balances under $2,500 | ||
| Free online banking/ bill pay | Yes | Yes |
| ATM/ debit card access |
Free at over 275 ATMs throughout NYS | Free at over 275 ATMs throughout NYS |
| Free checks | First order of basic checks free | First order of basic checks free |
| Monthly fees/ minimum balances |
None | $5 for avg. daily balance under $1,000** |
*APY = Annual Percentage Yield
**No minimum balance requirement with Direct Deposit
All rates effective as of 3/24/2008.
Fees may reduce earnings.
Rates are subject to change daily.
| Statement Savings | Capital Savings | Money Market | Young Savers (17 and under) | ||
|---|---|---|---|---|---|
| Interest rate | 1.05% APY* | 2.00% to 3.10% APY*, depending on balance | 1.10 APY* | 3.05% APY* | |
| ATM/ debit card access |
Free at over 275 ATMs throughout NYS | Free at over 275 ATMs throughout NYS | -- | -- | |
| Monthly fees/ minimum balances |
$5 for avg. daily balance under $500 | $15 for avg. daily balance under $5,000 | $10.00 for ave daily balance under $1000 | None | |
| Interest compounded | Daily | Daily | Daily | -- | |
| Other features | -- | -- | 6 third- party transactions per month (up to three by check) | -- | |
| unlimited over-the-counter withdrawals | |||||
*APY = Annual Percentage Yield
All rates effective as of 3/24/2008.
Fees may reduce earnings.
Rates are subject to change daily.
| Capital Business Checking | Analyzed Checking | Not-for-Profit NOW Checking | |||
|---|---|---|---|---|---|
| Interest rate | -- | Earning credit to offset activity fees* | 2.50% APY* for balances $5,000 & higher | ||
| 1.10% APY* for balances under$5,000 | |||||
| Free transactions | First 200 free ($0.25 per transaction thereafter) | -- | -- | ||
| Free online banking/ bill pay | Yes | Yes | Yes | ||
| Business ATM/ debit card access |
Yes | Yes | Yes | ||
| Monthly fees | $12 for avg. daily balance under $1,000 | $12, no minimum balance | $15 for avg. daily balance under $1,000 | ||
|
*Activity fees: $0.16/check,
$0.10/ACH debit or credit, $0.35/deposit, $0.12/deposited item |
|||||
Current Certificate of Deposit
| Min Balance to Open A/C | Min Balance to Obtain Annual % Yield | APY* | Interest Rate | ||
|---|---|---|---|---|---|
| CD's | |||||
| 7 - 89 days |
$500
|
$500
|
1.75%
|
1.74%
|
|
| 90 days |
$500
|
$500
|
2.00%
|
1.98%
|
|
| 6 months |
$500
|
$500
|
2.25%
|
2.23%
|
|
| 1 year |
$500
|
$500
|
3.00%
|
2.96%
|
|
| 18 months |
$500
|
$500
|
3.15%
|
3.11%
|
|
| 2 years |
$500
|
$500
|
3.50%
|
3.45%
|
|
| 30 months |
$500
|
$500
|
3.60%
|
3.54%
|
|
| 3 years |
$500
|
$500
|
3.65%
|
3.59%
|
|
| 4 years |
$500
|
$500
|
3.75%
|
3.69%
|
|
| 5 years |
$500
|
$500
|
3.85%
|
3.78%
|
|
|
|
|||||
Current Jumbo Certificate of Deposit
| Min Balance to Open A/C | Min Balance to Obtain Annual % Yield | APY* | Interest Rate | ||
|---|---|---|---|---|---|
| CD's | |||||
| 7 - 89 days |
$100,000
|
$100,000
|
1.85%
|
1.85%
|
|
| 90 days |
$100,000
|
$100,000
|
2.10%
|
2.10%
|
|
| 6 months |
$100,000
|
$100,000
|
2.35%
|
2.35%
|
|
| 1 year |
$100,000
|
$100,000
|
3.10%
|
3.10%
|
|
|
|
|||||
| Terms | APR* | Monthly Payment per Thousand |
||
|---|---|---|---|---|
| Prime 5.00% | ||||
|
Unsecured Personal Loans (36 Months Maximum Term) |
12.50% | |||
| Cash Reserve Line of Credit $500.00to $5,000.00 |
15.00% | |||
| New Auto 2007-2008 | 12-48 months | 7.99% | ||
| 60-72 months | 8.50% | |||
| Used Auto 2005-2006 | 12-48 months | 9.50% | ||
| Used Auto 2003-2004 | 12-48 months | 10.00% | ||
| Other Vehicles/New RV's/Boats/Motorcycles | 1-60 months | 12.00% | ||
| 61-180 months | 13.50% | |||
| Home Equity Loans (minimum amount $10,000) |
80% LTV | |||
| 5 years | 7.50% | |||
| 10 years | 7.75% | |||
| 15 years | 8.25% | |||
| 20 years | 8.50% | |||
| 90% (plus) LTV | ||||
| 5 years | 8.50% | |||
| 10 years | 8.75% | |||
| 15 years | 9.00% | |||
| 90% (plus) Home Equity Line (minimum amount $10,000) |
Prime + 0.50% | 5.50% | ||
| 80% Home Equity Line (minimum amount $10,000) |
Prime - 0.50% | 4.50% | ||
*APR = Annual Percentage Rate
Subject to Credit Approval
Rates current as of 5/1/2008
| Min Balance to Obtain Annual % Yield | APY* | Interest Rate | ||
|---|---|---|---|---|
| Consumer | ||||
| Capital Now | ||||
| Tier 1 |
|
1.25%
|
1.24%
|
|
| Tier 2 |
|
2.50%
|
2.47%
|
|
| Regular Savings | ||||
|
$500
|
1.05%
|
1.04%
|
||
| Capital Savings | ||||
| Tier 1 |
|
2.00%
|
1.98%
|
|
| Tier 2 |
|
2.25%
|
2.23%
|
|
| Tier 3 |
|
2.50%
|
2.47%
|
|
| Tier 4 |
$100,000.00 - $249,999.99 |
2.75% | 2.71% | |
| Tier 5 | $250,000.00 - $499,999.99 |
2.88% |
2.84% | |
| Tier 6 | $500,000.00 - $749,999.99 |
3.00% |
2.96% | |
| Tier 7 | $750,000.00 and over | 3.10% |
3.05% | |
| Regular Money Market | ||||
| (1,000 & Over) |
$1,000
|
1.10%
|
1.09%
|
|
| Privilege Money Market - Personal | ||||
| Tier 1 |
|
1.10%
|
1.09%
|
|
| Tier 2 |
|
1.30%
|
1.29%
|
|
| Tier 3 |
|
1.35%
|
1.34%
|
|
| Tier 4 |
$200,000.00 - $499,999.99 |
1.50% | 1.49% | |
| Tier 5 | $500,000.00 and over |
2.00% | 1.98% | |
| Privilege Money Market - Business | ||||
| Tier 1 |
|
1.10%
|
1.09%
|
|
| Tier 2 |
|
1.30%
|
1.29%
|
|
| Tier 3 |
|
1.35%
|
1.34%
|
|
| Tier 4 |
$200,000.00 - $499,999.99 |
1.50% | 1.49% | |
| Tier 5 | $500,000.00 and over |
2.00% |
1.98% | |
|
|
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| Questions or comments? Send them to: info@capitalbank.com |
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