STANDARD DEPOSIT RATES

APY = Annual Percentage Yield. Rates effective April 1, 2014. Rates may change after accounts are opened. Fees may reduce earnings.

Personal Deposit Accounts

AccountMinimum Deposit to OpenMinimum Balance to Obtain Interest RateAnnual Percentage Yield (APY)*
Kasasa Cash$100.00$0 - $10,000.00
$10,000.00 and up
Non-qualifying
2.05%
2.05%-0.64%
0.05%
Kasasa Saver$100.00$0 - $10,000.00
$10,000.00 and up
Non-qualifying
1.05%
1.05%-0.55%
0.05%
Free Interest Checking$100.00$1,000.000.05%
Cornerstone Interest Checking$1,000.00$1,000.00
$10,000.00
$15,000.00
0.05%
0.10%
0.20%
Cornerstone Money Market$2,500.00$2,500.00
$10,000.00
$25,000.00
0.20%
0.30%
0.55%
Standard Money Market$1,000.00$1,000.00
$5,000.00
$10,000.00
0.10%
0.15%
0.25%
Statement Savings$100.00None0.50%
Kids Statement Savings Account$10.00None0.50%
Christmas Club$10.00None0.50%

Kasasa Cash: Simply do the following each monthly qualification cycle: Have at least 12 debit card purchases post and settle, and be enrolled and receive eStatements.


*APY=Annual Percentage Yield. APYs accurate as of 04/01/2014. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.05%; and (3) balances over $10,000 earn 0.50% interest rate on portion of balance over $10,000, resulting in 2.05% - 0.64% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.


Kasasa Saver: There are no extra qualifications to get the Kasasa Saver reward rate. If you qualify for Kasasa Checking rewards, you automatically get the Saver rate too! Simply do the following each monthly qualification cycle: Have at least 12 debit card purchases post and settle, and be enrolled and receive eStatements.


*APY=Annual Percentage Yield. APYs accurate as of 04/01/2014. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.05%; and (3) balances over $10,000 earn 0.50% interest rate on the portion of the balance over $10,000, resulting in 2.05% - 0.64% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 1.05%; and (2) balances over $10,000 in Kasasa Saver earn 0.50% interest rate on portion of balance over $10,000, resulting in 1.05% - 0.55% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.


Free Interest Checking: ATM surcharge reimbursement of up to $10 per month. If account is closed within 90 days, a $50 account closing fee will apply. Interest is compounded and credited monthly.


Cornerstone Interest Checking: ATM surcharge reimbursement of up to $20 per month. Direct deposit is required or a $10 monthly fee applies. If account is closed within 90 days, a $50 account closing fee will apply. Interest is compounded and credited monthly.


Cornerstone Money Market: ATM surcharge reimbursement of up to $10 per month. If Average Ledger Balance for the statement period falls below $2,500, a $15 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.


Standard Money Market: ATM surcharge reimbursement of up to $10 per month. If Average Ledger Balance for the statement period falls below $1,000, a $6 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.


Statement Savings: ATM surcharge reimbursement of up to $10 per month. If Average Ledger Balance for the statement period falls below $100, a $1 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.


Kids Statement Savings: If Average Ledger Balance for the statement period falls below $10, a $1 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.


Christmas Club: If account is closed prior to the issuing of Christmas Club checks, a $15.00 account closing fee will apply. Christmas Club disbursements are issued in November. Interest is compounded and credited annually.



Personal Certificates of Deposit (CDs)

TermMinimum Deposit to OpenAnnual Percentage Yield (APY)
3 Months$1,000.000.15%
5 Months$1,000.000.25%
6 Months$1,000.000.30%
12 Months$1,000.000.60%
15 Months$1,000.000.65%
18 Months$1,000.000.70%
24 Months$1,000.000.75%
30 Months$1,000.000.80%
36 Months$1,000.001.00%
48 Months$1,000.001.05%
60 Months$1,000.001.10%

*A penalty applies for early withdrawal. Interest is compounded and credited quarterly.

Evergreen Bank Group also offers the CDARS Program, providing multi-million-dollar FDIC insurance for Certificates of Deposit. Please contact an Executive Banker at your local branch for more information.

Business Deposit Accounts

ProductMinimum Deposit to OpenMinimum Balance to Obtain Interest RateAnnual Percentage Yield (APY)
Evergreen Business Interest Checking$100.00$1,000.000.05%
Evergreen Free Business Checking$100.00N/AN/A
Evergreen Commercial Checking$100.00N/AN/A
Cornerstone Business Money Market$2,500.00$2,500.00
$10,000.00
$25,000.00
$100,000.00
0.20%
0.30%
0.55%
0.65%
Evergreen Business Savings$500.00None0.50%

Evergreen Business Interest Checking: Available for sole proprietorships, nonprofits, and government entities. Must maintain a balance of $1,000 or above or a $5 monthly fee will be assessed. ATM surcharge reimbursement of up to $10 per month. If account is closed within 90 days, a $50 account closing fee will apply. Interest is compounded and credited monthly.

Evergreen Free Business Checking: ATM surcharge reimbursement of up to $10 per month. If account is closed within 90 days, a $50 account closing fee will apply.

Evergreen Commercial Checking: Commercial Account Analysis account with competitive Earnings Credit Rate. Please contact an Executive Banker at your local branch for more details.

Cornerstone Business Money Market: Must maintain a balance of $2,500 or above or a $15 monthly fee will be assessed. ATM surcharge reimbursement of up to $10 per month. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per calendar month or statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.

Evergreen Business Savings: ATM surcharge reimbursement of up to $10 per month. If Average Ledger Balance for the statement period falls below $500, a $5 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $10.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.

All accounts subject to credit approval. Other terms and conditions may apply. For more information, please contact an Executive Banker at your local branch.


All Interest Rates and Annual Percentage Yields (APY) are accurate as of April 1, 2014 and are subject to change at any time. The disclosed APY assumes that interest will remain on deposit until maturity. Fees or withdrawals could reduce earnings.