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Business & Personal Accounts Rate Sheet
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| ACCOUNT PRODUCT NAME |
MINIMUM DAILY BAL
TO OBTAIN APY |
RATE |
APY |
BUSINESS INTEREST CHECKING*
Minimum opening deposit of $200.00 |
$2,500.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 + |
0.150%
0.150%
0.200% |
0.150%
0.150%
0.200% |
PERSONAL INTEREST CHECKING*
Minimum opening deposit of $200.00 |
$1,500.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 + |
0.150%
0.150%
0.200% |
0.150%
0.150%
0.200% |
ATTORNEY CLIENT TRUST*
Minimum opening deposit of $200.00 |
APY Applies to All Balances |
0.200% |
0.200% |
MONEY MARKET*
Minimum opening deposit of $2,500.00 |
$2,500.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 + |
0.200%
0.300%
0.700% |
0.200%
0.300%
0.702% |
1st RATE MONEY MARKET SAVINGS* & **
Minimum opening deposit of $25,000(new deposits only or funds that are not currently on deposit with 1st Centennial Bank) |
$25,000.00 |
2.000% |
2.020% |
BUSINESS SAVINGS*
Minimum opening deposit of $200.00 |
APY Applies to Balances $500+ |
0.200% |
0.200% |
PERSONAL SAVINGS*
Minimum opening deposit of $200.00 |
APY Applies to All Balances |
0.200% |
0.200% |
TIME CERTIFICATES OF DEPOSIT**
Minimum opening deposit varies
90 - 179 Days |
$2,500.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000 - $99,999.99 |
1.650%
1.650%
1.700% |
1.664%
1.664%
1.714% |
| 180 - 364 Days |
$2,500.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000 - $99,999.99 |
1.900%
1.900%
1.950%
|
1.918%
1.918%
1.969% |
| 1 Year |
$2,500.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000 - $99,999.99 |
2.300%
2.300%
2.350% |
2.327%
2.327%
2.378% |
| 2 Years |
$2,500.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000 - $99,999.99 |
2.500%
2.650%
2.750% |
2.531%
2.685%
2.788% |
| 3 Years |
$2,500.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000 - $99,999.99 |
2.850%
2.900%
2.950% |
2.891%
2.942%
2.994% |
| 4 Years |
$2,500.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000 - $99,999.99 |
3.100%
3.150%
3.250% |
3.148%
3.200%
3.303% |
| 5 Years |
$2,500.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000 - $99,999.99 |
3.500%
3.600%
3.750% |
3.562%
3.665%
3.821% |
JUMBO TIME DEPOSITS
Minimum opening deposit of $100,000.00
90 - 179 Days |
$100,000.00 + |
2.000% |
2.000% |
| 180 - 364 Days |
$100,000.00+ |
2.150% |
2.150% |
| 1 Year |
$100,000.00 + |
2.450% |
2.450% |
| 2 Years |
$100,000.00 + |
2.850% |
2.850% |
| 3 Years |
$100,000.00 + |
3.000% |
3.000% |
| 4 Years |
$100,000.00 + |
3.500% |
3.500% |
| 5 Years |
$100,000.00 + |
3.850% |
3.850% |
ACCESS 9 MONTH CD** & ***
Minimum opening deposit of $25,000.00 |
$25,000.00 - $100,000.00 |
1.650% |
1.664% |
1 YEAR VARIABLE ACCESS CD * , ** & ***
Minimum opening deposit of $500.00 |
$2,500 + |
1.500% |
1.511% |
18 MONTH VARIABLE RATE IRA * & **
Rate available for Regular and Roth |
$200.00 |
2.000% |
2.020% |
* The interest rate and annual percentage
yield (APY) may change after account opening. Fees could reduce the earning on the
account.
** The annual percentage yield assumes interest remains on deposit. A withdrawal will reduce earnings. Balances shown above are the minimum balances required to obtain the disclosed Annual
Percentage Yield. Fees could reduce the earnings on the account. A penalty
may be imposed for early withdrawal.
*** One penalty-free partial withdrawal to minimum balance of $2,500. A
penalty may be imposed for early withdrawal of complete balance.
Rates are current as of OCTOBER 7, 2008
For current rate information call:
Brea: (714) 990-8862
Escondido: (760) 745-9370 or (800) 745-9190
Irwindale: (626) 815-0875
Palm Desert: (760) 674-9260
Redlands: (909) 798-3611 or (888) 673-3236
Temecula: (951) 695-4916
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