You get 3.25% only for > $100K balance, 2.01%, 2.75% and 3.15% are APYs for balances below $100K (see details below). These are teaser rates that are guaranteed only until 07/15/05
MONEY MARKET: Annual Percentage Yield (APY) for Money Market is 2.01% for balances $0-$9,999; 2.75% for balances $10,000-$24,999; 3.15% for balances $25,000-$99,999; 3.25% for balances $100,000 and above, is accurate as of 01/31/05 and guaranteed through 07/15/05. After 07/15/05, the APY for each tier will revert to the current Standard Bank Simply Money Market rate and is subject to change without notice. Minimum balance to open account is $100. Offer applies to new money only. Fees may reduce earnings. Transactions to another account or to third parties from a money market account are limited to no more than 6 pre-authorized, automatic, computer or telephone transfers per statement cycle with no more than 3 by check, draft or similar order to third parties. Offer not available to Business, IRA and Institutional Funds. Offer expires 03/31/05. CERTIFICATE OF DEPOSIT: Annual Percentage Yield (APY) is 3.61%; is accurate as of 01/31/05 and compounded monthly. Minimum balance to open account and obtain APY is $1,000 and the maximum is $75,000. $75,000 limit per family. A penalty will be imposed for early withdrawal. Offer applies to new money only. This offer available to personal accounts only. IRA accounts are not eligible to participate in this offer. Offer not available to Business, IRA and Institutional Funds. Customer must open and/or maintain a primary checking account as long as the money market account remains open or for the term of the cd. Primary checking account refers to regular account activity of a minimum of 5 transactions per statement cycle. A Standard Bank checking account, plus a cash bonus of $50.00, accompanies either offer for customers without a primary checking account. Minimum opening deposit for checking is $100.00. $50.00 cash bonus may be applied to the opening deposit. Cash bonus will be deposited into customerís primary checking account at account opening. Offer not available on account conversions or in combination with any other offer. Cash bonus is considered interest and subject to 1099 reporting. Offers expire 03/31/05.